vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 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: MD

Complaint narrative:
There is a fraudulent account on my credit report, from XXXX XXXX. I showed proof that the email address used on this account is not me. I also showed that I never personally received any statements regarding this account. When I spoke to the customer service team they confirmed they could not locate an account with my information. I have told Experian several times but they refused to remove the info, when transunion and equifax did remove this. Experian is clearly ignoring my complaints

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 2025-06-01 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: NV

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax, Experian & Transunion under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation. 

please see attachments below

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 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
I took out private student loans to attend XXXX XXXXXXXX XXXX XXXX  XXXX and Design, part of the now-defunct Art Institutes system . This school was closed down after widespread evidence of fraudulent and deceptive practices, including misleading job placement statistics, inflated post-graduation income claims, and promises about accreditation that did not align with reality.

Despite paying thousands of dollars over several years, my loan balance has barely changed. It appears that my payments have gone almost entirely toward interest, not principal. I have never been offered a reasonable repayment option or relief despite my best efforts to stay current. This feels exploitative and predatory, and I am requesting a thorough investigation into this lenders practices and whether this debt should be discharged given the fraud associated with the institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
THIS ACCOUNT IS NOT MINE, AND I AM NOT AWARE 0F ACCOUNT INFORMATION. THIS ACCOUNT NEEDS TO BE REPORTED. THANKS

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year>, I purchased a custom prom dress from a designer for a total of {$2000.00}. I paid in two separate transactions of {$1000.00} each using my Chase debit card. When I received the dress, it was not as described. It was poorly made and did not match the agreed-upon specifications, measurements, or quality. 

I contacted the seller immediately to address the issue and ultimately returned the dress. Despite returning the dress and providing the seller with notice and documentation, they refused to issue a refund. 

I disputed one of the {$1000.00} charges with Chase, submitting evidence including emails, photos of the dress, and proof of return. Chase initially denied the dispute. I requested a reinvestigation and submitted the same documentation again. Despite this, the dispute was denied a second time. 

I am seeking a refund for the {$1000.00} charge related to the dress that was returned and not as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XX/XX/year> To : [ XXXX/XXXX  RE : Formal Dispute of Account Reporting Request for Validation and Verification Account Number : [ Insert Account Number or Collection Agency Reference Number ] Dear XXXX  I am writing to formally dispute the accuracy and validity of an account being reported on my credit report by [ Debt Collector Name ]. I request an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the FCRA, I have a right to verify and validate any alleged debt. The collector currently reporting this account has failed to provide proper documentation that proves : 1. They have a valid assignment contract from the original creditor, proving legal authority and ownership of the debt. 2. They have a permissible purpose to access and report information to my
credit file under 15 U.S.C. 1681b.

To that end, I am requesting that your agency : Provide me with a copy of the assignment contract between the original creditor and the collection agency, clearly showing that the debt was legally transferred or assigned.

Show evidence of the collection agencys permissible purpose to report this alleged debt to your bureau.

If this information can not be verified within 30 days as required by the FCRA, I request that the account be immediately deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please confirm receipt of this dispute and notify me of the results of your investigation within the time allowed by law.

Accounts are below. 




Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft, inaccurate reporting, and failure to correct fraudulent data after formal notice. Despite providing an FTC Identity Theft Report ( Ref. # XXXX ), sworn affidavit, and proof of trust ownership over my personal data, Experian continues to report unauthorized accounts, including XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX and Bank of XXXX XXXX XXXX of these accounts was improperly reinserted after deletion without proper notice. Experian also linked an unauthorized Social Security Number ending in XXXX to my file, which does not belong to me, compromising my credit profile. 

I request that Experian permanently delete and block the disputed accounts, reinvestigate the incorrect XXXX, and confirm that no new data will be added without my written authorization. I also request a summary of any reinvestigation efforts and compensation for the harm caused. These actions are necessary to restore the integrity of my report and prevent further violations of my rights under federal law.

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 2025-06-01 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, oag child support, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, south west Missouri bank XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They couldnt give an answer. And my credit score dropped very low cause of the student loans.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECKredi of Kentucky, LLC
State: NH

Complaint narrative:
On XX/XX/2025, CHECKredi debited my bank account for {$25.00} without my authorization. This charge was labeled as a returned check fee related to a gas station rewards account I had previously used. However, I had already canceled that account on XX/XX/2025, and had explicitly stated in a phone call with their representative that I did not agree to pay the {$25.00} fee. This revocation occurred two business days prior to the unauthorized ACH debit. 

I also have recordings of my phone calls with the collection agency, including the call where I revoked authorization two days prior to the debit and the call where I canceled my account. I can provide these if needed. 

Id also like to note that the company debited my account on the same day ( XX/XX/XXXX ) for the original transaction amount of {$28.00}, which I did not explicitly authorize. However, I do not contest that specific amount. In fact, when I called them days earlier to resolve the matter, I offered to pay the original {$28.00} directly, but they refused to accept payment unless I also agreed to pay the disputed {$25.00} fee. This further supports that the fee was being enforced as a condition of resolving the original debt, which I believe was unfair and coercive. 

Under the Electronic Fund Transfer Act ( EFTA ), consumers must receive a copy of their written authorization at the time of any preauthorized debit. CHECKredi never provided me with such authorization, and the charge was not scheduled or agreed to in writing. Additionally, they failed to provide proper debt validation when I formally disputed the debt by email. Their response included only a generic copy of the terms of service, with no account-specific authorization or signature. 

I also believe this charge was unfairly disclosed. The {$25.00} fee was located in the middle of a lengthy 17-page agreement without any clear notice at the time I signed up, and I had no meaningful opportunity to understand or agree to it at the time of enrollment. 

Further, their own terms of service state that upon account closure, all personal and banking information will be deleted and the account terminated. Despite this, they retained my account and banking info and used it to issue an ACH debit after cancellation, which directly violates both their own terms and standard ACH network rules. 

I believe this transaction was unlawful and the collection of this fee is improper. I have notified both CHECKredi and my bank. I am requesting that the CFPB review this situation and take appropriate action to ensure compliance with federal regulations.

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:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my 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 2025-06-02 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: GA

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed on my credit report under the Fair Credit Reporting Act ( 15 USC 1681c-2 ) due to identity theft. I have attached my Federal Trade Commission ( FTC ) Identity Theft Report, along with copies of my identification, Social Security Number ( SSN ), and proof of address as required by law. 

Please be advised that under the aforementioned statute, a police report is not a requirement for the dispute of these fraudulent accounts. The accounts in question were opened without my consent, and I demand their removal from my credit report within four ( 4 ) business days. 

The details of the accounts I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Attachments : - FTC Identity Theft Report - Copy of ID - Proof of Address

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts listed on my credit report under the Fair Credit Reporting Act ( 15 USC 1681c-2 ) due to identity theft. I have attached my Federal Trade Commission ( FTC ) Identity Theft Report, along with copies of my identification, Social Security Number ( SSN ), and proof of address as required by law. 

Please be advised that under the aforementioned statute, a police report is not a requirement for the dispute of these fraudulent accounts. The accounts in question were opened without my consent, and I demand their removal from my credit report within four ( 4 ) business days. 

The details of the accounts I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I expect your prompt attention to this matter. Please confirm receipt of this letter and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Attachments : - FTC Identity Theft Report - Copy of ID - Proof of Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information reported by ChexSystems on my consumer report. 

My ChexSystems file shows a charge-off for {$660.00}, marked as an overdraft, tied to account RTN/Acct # : XXXX / XXXX, with a closure date of XX/XX/2021 and a Paid in Full status on XX/XX/2021. 

I dispute this account entirely and never authorized overdraft usage or any negative reporting. I was never provided sufficient documentation, and I was not made aware of this reporting until recently. 

My report also lists multiple inquiries from companies I do not recognize or authorize, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX / XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX : FCRA 1681e ( b ) : Reporting agencies must ensure maximum possible accuracy FCRA 1681i : Consumers have the right to dispute any unverifiable or inaccurate data FCRA 1681b : There must be a permissible purpose for any party to pull or report my data I never gave written authorization to these entities.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable personal information listed on my Equifax credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of the information they report. 

Upon reviewing my credit report, I have identified inaccurate personal identifying information that is not mine and must be removed immediately : Incorrect Names : XXXX XXXX XXXX ; XXXX XXXX Incorrect Addresses : 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 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 XXXXXXXX Incorrect XXXX Numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX Incorrect Employers : XXXX ; XXXX ; IT DEPT These entries are not associated with me in any way and are damaging to my credit profile. Their inclusion on my file is a violation of federal law. 

I must also note that my personal information was compromised in the Equifax data breach of 2017, which further undermines the credibility of the data being reported and reinforces my demand for strict adherence to the accuracy standards set forth under the FCRA. 

Under federal law, you are required to investigate and correct this information within 30 days of receiving this dispute. If this information is not corrected or removed within the appropriate time-frame, I will be prepared to : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

2. Initiate litigation for statutory and actual damages under the FCRA, including costs and attorneys fees, for willful and/or negligent noncompliance. 

For verification purposes, I have enclosed the following documents : A copy of my drivers license A copy of a recent utility bill or bank statement Please confirm in writing that the investigation has been completed and that the disputed items have been corrected or removed. I also request an updated copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief