vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
The following accounts were disputed with all three major credit bureaus. One or more bureaus confirmed the accounts were inaccurate and removed them. However, the other bureau ( s ) failed to provide adequate verification or returned vague responses, resulting in inconsistent and unfair credit reporting. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
LJ Ross Associates and XXXX XXXX incorrectly and inaccurately reported me on all 3 credit bureaus for a bill in the amount of XXXX dollars. 
It's laughable for them to charge me for a service I never ever received for a property I didn't live at. 

The property was my parents but it was repossessed and sold at a sheriff sale in XXXXXXXX XXXX XXXX Nobody was living there. 
How can XXXX XXXX charge me for gas for a property that I didn't live at. 
Now they and lj ross are ruining my credit and a chance to buy a house. 
I need this removed off my credit report ASAP. 
I paid it because I'm trying to close but disputing it in hopes that National Fuel refunds me. 
I've supplied s copy of my current lease showing I didn't live there. I also provided the court docket showing the house being sold at a sheriff sale in XXXXXXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-07-28 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
About a Decade Ago, I got the Delta American Express Gold Credit Card which was a FREE Card until last year. This year they started charging me {$150.00} Annual Fee and that is not something I agreed to. Furthermore, Amex looked into my past year statements and I TRULY have been getting a no-Fee Gold Credit card. 

It has been more than two weeks and I am overdue my bills for the Annual fee which I refuse to pay. 

This appears to be discrimination and fraudulent to get annual fee for me. At the time of buying the annual card, the Agent who sold the card to me clearly told me that this is a NO FEE card, on that basis I was never charged a fee, until now. 
Hence, AMEX should continue to make this a NO -FEE credit card. Else I should be compensated for the trauma and harassment AMEX should continue to make this a NO -FEE credit card ( Card ending XXXX ), as it has been for close toa Decade. Else I should be compensated for the trauma and harassment and I will close the Gold Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. Thank you. I will await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-07-28 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: TX

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has been giving my consumer report to corporations without my consent. They also not doing no investigating on my complaints I have sent multiple complaints via cfpb and also by mail. Experian is causing me financial harm by not correcting my consumer complaints. I have multiple inaccuracies reporting on my consumer report and they keep saying that its litigation involved but not showing any proof of any litigation. This is my last time submitting a complaint via the cfpb if Experian do not respond correctly this time I will no choice but to move forward with filing serious claims against Experian for violations of the FCRA THIS WILL BE USED FOR FURTHER OCCURRENCES IF NEED 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dealing with a billing error after being a long time loyal customer.

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 2025-07-28 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: TX

Complaint narrative:
I did not authorize these inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) 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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new checking with US Bank, they issued XXXX atm card, XXXX I had no ida of, then the atm they did issue failed and declined all of my on-line purchases. Then when I told them of the problem they said they had no record of the declined transactions. they just showed all of the as transactions that went through. THEY WERE ALL DECLINED!! So that being said I called their customer service line XXXX  times over the weekend each time, they said there should be no more problems!!! WELL-THERE- WERE!!!! They never fixed it at all! Then I account showed overdrawn!!! went into my branch, they said I had to dispute every charge, there were about XXXX or more of them. 

After that they issued a new card, I activated it, same thing happened. Now they have a suspension on the last XXXX cards. How am I supposed to keep track when they deny then approve then deny and so on. Each time they have taken about or more than {$1000.00} dollars!!!! 
it was a new account all the more reason they should have notified me with an email, or a message to my phone!!! the first time, like I said I contacted them 9 TIMES, each time saying the problem was fixed and each time it was not. I was on the phone the weekend of the XX/XX/year> about XXXX hours. 
Now I am not sure what to do, I am again out of at least {$2000.00} dollars if not more. 
with no help in site. I want to know how can they not have records of the declined- then approved transitions. NO RECORDS OF DECLINED??? That seems like an almost impossibility to me. Because, every transaction at a bank is recorded!!! So are they just deciding to steal because it is to much of a hassle to go back and get the records, iI think they are working from home on the the weekends and really don't care to do much for the customer!!! 
PLEASE HELP 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 2025-07-28 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: DISCOVER BANK
State: VA

Complaint narrative:
I signed contract with XXXX XXXX XXXX services. The deck installation department hired Skippers Construction to install a XXXX deck and under deck water system with gutters and down spouts. I used XXXX credit cards to pay for the {$34000.00} project. Discover Card ending in XXXX and Discover card ending in XXXX and XXXX XXXX Bank credit card. The contractor breeches the contract by not following the correct color of privacy panel, not completing the under deck water system, not completing covering wiring, not completing bottom riser on steps, not redoing cracking concrete, not fixing the leveling the XXXX deck, not fixing the warped joists, not fixing the lights on stairs not working. I never received the complete service. 
I filed 3 disputes ; one with XXXX XXXX Bank, 2 disputes with both my Discover XXXX. XXXX pages of evidence I mailed ; photos, emails, text messages and the contract was mailed to Discover XXXX and XXXX XXXX XXXX. 

XXXX XXXX Bank approved my dispute and reversed the charge. Discover Card reversed my dispute and denied my charge. I hired a lawyer and won. I sent the proof and evidence to Discover Card that I won and the Settlement will try and remedy the unfinished service and they still will not approve my dispute that I never received the complete services with all the evidence and with the additional evidence I sent US Certified Mail that XXXX paid me a settlement through the attorneys to finish deck and underwater system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-28 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US bank has closed my business checking accounts ( I used to have many for different business purposes ) and I always had the e-statement activated. I don't know why they decided to close my accounts and the bank did not give me any answer but was shocked to be hit with paper statement service fee and were posted into my checking account that ends with XXXX. When I called to clarify, the customer service said this account functions like like a master account and all fees of other accounts get posted to this account. When they tried to verify what's going on, they couldn't find a reason why I was getting charged for service fee. They said probably due to paper statement, but I confirmed to them that e-statement has been always on ( which waives the service fee ) but the poor customer service with US bank couldn't figure out the issue. Then the US bank kept charging me extra fees over the last XXXX months and now it's XXXX. This is fraud and US bank does not deserve a cent because they closed all my business accounts and gamed the system by charging mee fees that are not valid. I would like the CFPB to look at this case very carefully.

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 monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: AZ

Complaint narrative:
On XX/XX/year>, I opened a Netspend All-Access Debit Account. My decision to open this account was based on a specific promotion I saw that offered a {$200.00} bonus. The terms of the promotion required me to open a new account and receive a total of {$400.00} or more in qualifying direct deposits within the first 60 days of account activation. 

I met all the requirements as follows : * * * Account Opened : * * XX/XX/year> * * * Account Verified : * * My account was fully verified on XX/XX/year>. 
* * * Qualifying Direct Deposit : * * I received a direct deposit of {$400.00} into my account on XX/XX/year>, well within the 60-day promotional period. 

After fulfilling the requirements, I waited for the bonus to be credited. When it was not, I contacted Netspend customer service. 

I received a response via email from a Customer Service Agent named XXXX. In the email, the agent confirmed the eligibility requirements, which I had already met. The agent then stated, " You can expect the {$200.00} credit to be reflected in your account within five business days after you have completed the qualifying requirements. '' The five-business-day period following my qualifying deposit on XX/XX/year>, ended on XX/XX/year>. However, Netspend has failed to credit the promised {$200.00} bonus to my account by their own stated deadline. 

Netspend has engaged in deceptive advertising by luring me to open an account with a promotional offer they have failed to honor. They have not fulfilled their end of the agreement, even after I contacted them and they confirmed the terms. I am seeking the {$200.00} bonus that I am rightfully owed.

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