vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8800.00} DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 submitting this complaint against the three major credit bureausXXXXXXXX XXXX, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX Balance : {$640.00} Open Date XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-08-01 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: RI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I had a bank account with BMO Bank. I signed up for a XXXX XXXX  Checking account, which had a {$350.00} bonus if you meet certain criteria. The criteria was if you make a number of direct deposits to the account within a certain amount of time, which I completed. The bank would pay the bonus after 90 days had passed, which was to be the beginning of this XXXX. 

Today I logged into BMO and found that they had closed my checking account, without ever so much as an email or phone call to warn me in advance. I believe they deliberately closed my account in an effort to avoid paying me the {$350.00} bonus. This is extremely shady businsss practice by a bank for not satisfying their own conditions and terms for a promotional offer they are giving to the public.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX   Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I filed for XXXX  XXXX bankruptcy on XX/XX/year> ( XXXX XXXX. XXXX ). This company continues to furnish inaccurate credit reporting to XXXX regarding accounts | -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | | XXXX  XXXX | XXXX  XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX | | American Express | American Express | | 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 Despite being included in the bankruptcy, the account is still reporting as charged-off or past-due after the balance and Continues to furnish inaccurate credit reporting to XXXX regarding accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : 1. XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX2023XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I placed an order through Macys website ( Order # XXXX ), and the items were marked as delivered via XXXX. However, I never received the package, and the delivery photo provided by XXXX does not show a unit number or clear address, only a generic image of a blue door. I live in a large community where all units have blue doors, so there is no way to verify where the packages were actually delivered. 

I contacted Macys customer service multiple times by phone and spoke to several representatives and at least one supervisor. I was assured several times that a refund had been approved and that a new Macys gift card containing the refunded amount had been expedited and would arrive by XX/XX/XXXX. Despite these promises, I never received the gift card, and my Macys order history shows no update or confirmation that a refund was processed.

I then received an email from Macys on XX/XX/scrub> 2025, stating that my refund request had been denied, which directly contradicts what multiple agents and a supervisor told me during recorded phone calls. I have screenshots of the UPS delivery photo, email correspondence, and documented dates and names of the agents I spoke with.

Macys has refused to issue the refund or provide proper proof of delivery. I paid using a Macys gift card, and at this point, I am without my items and without a refund. They are withholding funds that rightfully belong to me without any legal or valid reason.

I am requesting assistance in holding Macys accountable for : Failing to deliver my order properly ; Failing to provide a valid delivery confirmation ; Misleading me with false refund promises ; Refusing to refund a legitimate claim ; Withholding the value of a Macys gift card despite their own confirmation that a refund was approved.

I would like Macys to immediately issue the full refund in the form of a new Macys gift card or provide an equivalent resolution.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OR XXXX INQUIRIES : XXXX XXXX XXXX Date : 2025XXXX

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: KS

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Netspend XXXX using their new customer promotion which stated that if you opened a new checking account and had {$400.00} direct deposited into your account within 60 days of account opening you would receive a new customer promotional bonus of {$200.00}. On XX/XX/XXXX, I received a direct deposit into my new bank account of {$400.00} from my employer. When I hadn't received the promotional bonus as the terms stated and XXXX business days had passed, I reached out to the bank via secure message on XX/XX/XXXX and asked for an explanation. The bank responded to that messaged asking me to submit via email more information about the promotion, including screen shots showing the promotion that I had signed up for. I sent the requested information via email. 

On XX/XX/XXXX I received an email from the bank stating : 'You have met all the necessary criteria, yet it has been more than five days, and you have not received it. I sincerely apologize for the delay and appreciate your patience in this matter. I appreciate you for bringing this to our attention and we have escalated this issue to the relevant team for further investigation. We will keep you posted, once we received an update for the resolution. ' I have not heard back from Netspend since XX/XX/XXXX even though I have attempted to contact them multiple times since then to ask for an update. More than the additional 5 day delay itself- which is double the timeline stated in the terms of the agreement, I feel like the bank is actively ignoring my attempts to communicate with them and I find that concerning. Netspend does not appear to be acting in good faith.

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 2025-08-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was not notified that my promotional balance with Home Depot had expired and only discovered interest charges after making several calls to their customer service. Each time, I explained my financial hardship due to recent XXXX, it took multiple conversations to finally learn the full extent of the interest that had been charged. I escalated the matter to their Tier 2 support, but they were ultimately unhelpful, and the website layout does not clearly disclose this information, making it difficult for consumers to stay informed ( see attached ). Unlike other websites, the interest charges are buried and take several clicks to find. Had I known or was informed, I would have taken action to resolve this issue. This is a very predatory practice. Every time I go to Home Depot, they pressure you into signing up on the Home Depot Credit Card and now I know why. The interest rate is astronomical, and they do not help you, even if you are in good standing. How is this fair?

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing an inaccurate bankruptcy remark reported by XXXX ( Citibank NA ) on a charge account that was : Closed on XX/XX/scrub> 2024 Paid off with a {$0.00} balance Not delinquent ( XXXX late payments ) Never charged off or sent to collections Despite this, the account now includes a XXXX  XXXX bankruptcy remark. However, my XXXX  XXXX case was filed after this account was closed, and it was not part of the bankruptcy estate. This is materially inaccurate and : Violates FCRA 1681e ( b ) reporting must be accurate Violates FCRA 1681s-2 ( b ) furnishers must correct after dispute Violates UDAAP by presenting false derogatory data to lenders This false flag is damaging my ability to rebuild credit post-bankruptcy and must be addressed 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 non-monetary relief