vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I was charged four separate times through the XXXX XXXX XXXX for in-app purchases associated with the mobile application XXXX. These transactions, totaling {$160.00}, were completely unauthorized and made without my consent or knowledge. 

The specific charges were : {$30.00} ( charged twice ) {$41.00} {$62.00} As soon as I became aware of these charges, I contacted XXXX XXXX Support to request a refund. Despite explaining that these were unauthorized purchases, XXXX denied my refund request, citing internal policy. 

I then contacted my financial institution, XXXX XXXX ( a product of XXXX XXXXXXXX ), to dispute the charges under the protections provided by the Electronic Fund Transfer Act ( EFTA ). However, XXXX XXXX refused to allow me to dispute the transactions, stating they only handle refunds for charges that were completed incorrectlynot unauthorized charges. This directly contradicts consumer protection laws and leaves me unable to recover funds taken without permission. They also threatened to close my account. 

At this point : XXXX has failed to act on a valid report of unauthorized activity. 

XXXX XXXX is refusing to support or process a dispute as required under federal law. 

XXXX ( the app developer ) has not provided any remedy nor a path to resolution. 


I am now requesting CFPB assistance to : 1. Recover the {$160.00} lost due to these unauthorized charges ; 2. Hold XXXX XXXX accountable for refusing to process the dispute ; 3. Prompt XXXX and the XXXX  app developer to address their role in facilitating or ignoring this issue. 



This situation has caused financial stress, and I feel both my consumer rights and legal protections have been ignored by all parties involved. 


-- - Companies Involved : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  ( app developer )

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 2025-06-02 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: SC

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Yes ( They responded but kept the item as remains ) I am filing a formal complaint against Experian for failing to remove a dismissed XXXX  from my credit report, despite providing a certified court order and supporting documentation. 
The XXXX  in question ( XXXX XXXX. XXXX ) was filed on XX/XX/year> and dismissed in its entirety on XX/XX/XXXX, XXXXonly five business days later. No creditors were involved, no XXXX meeting occurred, and no discharge or reorganization took place. 
Experian 's reinvestigation response claimed the record was verified by their vendor and chose not to remove it. However, under the Fair Credit Reporting Act ( FCRA ) Section 1681c, consumer reporting agencies are required to ensure that all reported information is accurate, complete, and not misleading. 
Reporting this as an active XXXX  misrepresents the legal outcome and continues to cause reputational and financial harm. 
I request that Experian be required to remove this dismissed XXXX  from my credit report 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 2025-06-02 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 was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX Balance $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-02 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4100.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : 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 XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4100.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-06-02 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX  in Massachusetts, fortunately unwillingly without my consent, pass my account to a bill collector, which federally under PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT 120 15 UNITED STATES CODE 1692 as well I asked them for a signature. They proven that that that is old to me as well Insurance clean to the money that is owed to the debt. My signature is not on there and I did not consent into nothing therefore that its not my debt before I go to civil court please clear his debt. You guys are coming in fraud by exchanging information behind third-party back behind the consumers back, but I consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: TN

Complaint narrative:
To Whom It May Concern, Account number XXXX Please be advised that I am formally disputing the validity of the alleged debt referenced above. I am also exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, which restricts your ability to contact me, and 1692g, which gives me the right to dispute and request validation of this alleged debt.

Pursuant to 15 U.S.C. 1692g ( b ), I request that you provide written verification and validation of the debt, including but not limited to : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, including a breakdown of any fees, interest, or other charges ; 3. A copy of any document bearing my signature or agreement that substantiates the debt ; 4. Proof that you are legally authorized to collect debt in my state.

Until you provide the requested validation, you must cease all collection efforts and communications with me, as outlined in 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact.

If you continue to report this alleged debt to any credit reporting agency without proper validation, you will be in violation of the Fair Credit Reporting Act ( FCRA ) as well as the FDCPA, and I will not hesitate to report this matter to the Federal Trade Commission ( FTC ), and my state attorney generals office.

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 2025-06-02 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: IN

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

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 2025-06-02 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-02 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: IN

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account 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 2025-06-02 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:
PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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 2025-06-02 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate and Inconsistent Reporting Credit One Bank To Whom It May Concern : I am filing this complaint to report inaccurate, inconsistent, and harmful information being reported on my credit reports by XXXX XXXX XXXX  across the three major credit bureaus ( XXXX, Experian, and TransUnion ). These discrepancies are impacting my creditworthiness and ability to obtain capital. 

Facts : The account was closed on XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Experian/TransUnion ) , and shows a {$0.00} balance. 

Despite the account being paid in full and closed, Experian and TransUnion are still reporting negative status and late payments ( 30 days past due in XX/XX/XXXX and XX/XX/XXXX ) after closure, which is factually and legally incorrect. 

XXXX, on the other hand, is reporting the account as positive and reflects no late payments in the same timeframe, which confirms the inaccuracy on the other two bureaus. 

Last activity and payment dates are reported inconsistently : XX/XX/XXXX ( XXXX  ), " - '' ( Experian ), XX/XX/XXXX ( TransUnion ), even though the account was closed nearly a year earlier. 

This creates confusion and a false appearance of ongoing delinquency on a closed account. 

Laws Being Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Furnishers are required to provide accurate information. Reporting an account as delinquent after it is closed and paid in full is a violation of this obligation. 

Truth in Lending Act ( TILA ) 15 U.S. Code 1601 et seq. 
The continued misreporting misleads other creditors about the terms under which the account was closed and satisfied. 

Gramm-Leach-Bliley Act ( GLBA ) Inconsistent and mishandled personal data across bureaus may constitute a failure to protect sensitive consumer information and report it accurately and uniformly. 

Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 These discrepancies create an unjust disadvantage and may result in discriminatory lending practices due to false negative data.

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 2025-06-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union credit company has been reporting for years misinformation about a car loan with credit acceptance. I even was turned down by CFPB for the same issues, I requested to have the information taking off my credit, 5 years is enough of hurting my business growth and trying to get an apartment are even buying a loan, Couldnt no company even tell me what bank I made the payments from, and if I paid 67 % on this car, where is the car, are my money.

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 2025-06-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX Balance $ 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