vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I am filing this complaint to dispute fraudulent accounts on my credit report that I did not authorize. Despite submitting an FTC Identity Theft Affidavit and requesting removal, the accounts were verified without proper investigation. The disputed accounts include a Credit Card with XXXXXXXX XXXX ( opened XX/XX/XXXX ), an Auto Loan with XXXX XXXX  ( opened XX/XX/XXXX ), and a Collections account with XXXX XXXX XXXX ( opened XX/XX/XXXX ). These accounts were opened due to identity theft, and under FCRA 611, I request a thorough reinvestigation and removal of these inaccurate entries from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter serves as my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the specific methods used to validate its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset and has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I recently reviewed my credit report and discovered an inaccurate collection account from XXXX XXXX XXXX related to XXXX XXXX. The account information is conflicting across different credit bureaus, with duplicate listings, re-aged dates, and inconsistencies in payment history and status. 

Disputed Account Details : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$820.00} Account Numbers : Experian : XXXX XXXX : XXXX Equifax ID XXXX XXXX Reported Dates : Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX ( conflicting with XX/XX/XXXX, and XX/XX/XXXX ) Issues with the Reporting : Duplicate Listings : The same debt appears multiple times under different account IDs.

Conflicting Payment Histories & Dates : The account status, payment records, and date of last activity do not match across credit bureaus.

Re-Aging of Debt : The debt appears to have been illegally re-aged, which violates FCRA Section 605 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 recently reviewed my credit report and discovered an inaccurate collection account from XXXX XXXX XXXX related to XXXX XXXX. The account information is conflicting across different credit bureaus, with duplicate listings, re-aged dates, and inconsistencies in payment history and status. 

Disputed Account Details : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$820.00} Account Numbers : Experian : XXXX XXXX : XXXX Equifax ID XXXX XXXX Reported Dates : Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX ( conflicting with XX/XX/XXXX, and XX/XX/XXXX ) Issues with the Reporting : Duplicate Listings : The same debt appears multiple times under different account IDs.

Conflicting Payment Histories & Dates : The account status, payment records, and date of last activity do not match across credit bureaus.

Re-Aging of Debt : The debt appears to have been illegally re-aged, which violates FCRA Section 605 ( c ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
Equifax puts old accounts on my credit report to intentionally keep me with a low credit score illegally conspiring with financial institutions and collection agencies to punish me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Formal Complaint Against Equifax for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against Equifax for their failure to investigate and correct inaccurate information on my credit report within the legally required 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

30 days prior to today 's date of XX/XX/year>, I submitted a formal dispute to Equifax regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making Equifax non-compliant with federal law. 
Violations Committed by Equifax : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within XXXX Days Equifax has failed to complete its investigation within the legally required XXXX-day period. 
FCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.

FCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.

FCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If Equifax fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.

I request an urgent review of this matter and expect a formal response within XXXX days, as required for CFPB complaints. 

Sincerely, XXXX XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
I am writing to formally dispute the presence of unknown remarks on my credit report associated with my file. After thoroughly reviewing my credit report, I discovered remarks that I have no knowledge of and did not authorize. These remarks are inaccurate and negatively affecting my credit standing. 

The following are the details of the disputed remarks : Remark Type : " Credit can not locate individual/ Deferred '' Account/Report Reference Number : Department of Education XXXX XXXX Account # XXXX I am requesting that you immediately investigate these unauthorized remarks, provide a detailed explanation of their origin, and remove them from my credit report if they are found to be inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve this matter within XXXX days of receipt of this letter. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed remarks for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I file a dispute with the company centennial finance nothing was resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting this formal complaint against Synchrony Bank due to its repeated and seemingly retaliatory closures of my credit accounts. Most recently, on XX/XX/XXXX, Synchrony closed my Mattress Firm account without legitimate justification. This account was used solely for the purchase of a bedframe and mattress in late XXXX and had not been used since. Despite this, Synchrony cited misleading reasons for its closurereasons that appear to stem from the banks own actions rather than any genuine financial risk. 

One of the justifications provided for the closure was a previous issue with my mortgage companys reporting, which has since been fully resolved and should no longer be a factor in account decisions. Additionally, Synchrony has repeatedly lowered the credit limits on my other accounts, artificially increasing my credit utilization ratio. This manipulated increase in utilization has then been used as grounds for further account closures, creating a damaging cycle that is harming my credit profile. 

The Mattress Firm account was structured with consistent, manageable payments under a low-interest financing plan, making it a financially responsible tool for maintaining my credit health. The sudden closure of this account, along with the broader pattern of Synchronys actions, suggests an unfair and potentially retaliatory approach rather than legitimate risk management.

This is not the first time Synchrony has closed an account of mine under questionable circumstances, and its unfair, inconsistent, and punitive business practices are causing undue harm. I am concerned that other consumers are also facing similar treatment, with Synchrony manipulating credit factors to justify adverse actions. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Synchrony Banks account closure policies and their broader impact on consumer credit health. I am happy to provide additional details or documentation if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my credit report, I discovered multiple discrepancies that must be corrected immediately under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is damaging to my credit standing and must be resolved promptly. 

The specific inaccuracies are as follows : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

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 2025-03-18 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX inquiries 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  These are all inquiries on my report that are either fraudulent or unauthorized. I did not consent to neither of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: CT

Complaint narrative:
XX/XX/XXXX overdraft item charge in the amount of {$20.00} XX/XX/XXXX overdraft item charge in the amount of {$20.00} I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
1. Misreporting a Discharged Debt o Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy o A discharged debt should not reflect an outstanding balance. Reporting an incorrect balance is a violation of credit reporting laws.

2. Incorrectly Reporting a Settled Debt When No Settlement Occurred o Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibition on Reporting Inaccurate Information o The third-party collector falsely reported that I settled the account, which is misleading and damaging to my creditworthiness.

3. Duplicate Reporting of the Same Debt o Violation of 15 U.S.C. 1681b ( f ) Unlawful Credit Report Use o A debt can not be reported by two entities simultaneously in a way that
misrepresents its current status.

4. Failure to Conduct Proper Verification of Account Transfer o Violation of 15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes o The reporting agencies failed to verify the legitimacy of the account transfer and its status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I opened an online account with OpenBank. I used their app to establish a " trusted mobile device ''. 
I deposited funds ( approx {$240000.00} ) approx XX/XX/XXXX Since XX/XX/XXXX, I have been unable to sign on and access funds. 
The customer service department has submitted tickets to their tech services with no effect. 
I have asked for them to send me money from the account and they have refused. 
I have asked for a routing number and account number so that I may initiate a transfer from a more competent financial institution and again, the service department refuses to provide the information.

Attempts to reach a manager go unanswered. 
Attempts to resolve this have been conducted XX/XX/XXXX, XX/XX/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