vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unauthorized Reporting of Student Loans To Whom It May Concern, I am writing to formally dispute the reporting of two student loan accounts on my Equifax credit report. These accounts are not reported by Experian or TransUnion, both of which removed the student loans from my profile due to a FERPA violation. The continued reporting of these accounts exclusively by Equifax creates a discrepancy that violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), if applicable, as well as Regulation F.

Here are the specific issues : - The student loans are reported differently across the three credit bureaus, creating a false and misleading representation of my credit profile.

- I did not authorize Equifax or any third party to access or report these student loan accounts, which may constitute a violation of my privacy rights and FERPA protections.

- The inconsistent reporting between the three credit bureaus constitutes a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
- If Equifax obtained or shared these student loan records without my explicit consent, it may be in violation of the Family Educational Rights and Privacy Act ( FERPA ).

- Regulation F 1006.30 ( a ) prohibits furnishing information that is false, misleading, or lacking integrity.

- If these accounts were furnished by a third-party debt collector, and inaccurate or unverified, they may also violate FDCPA 807 ( 8 ) and 809 ( b ), which regulate accurate debt validation and prohibit misleading credit reporting.

I demand that Equifax immediately reinvestigate the legitimacy and accuracy of these student loan entries. If you can not verify these accounts with complete documentation and authorization under FERPA and the FCRA, they must be permanently removed from my credit file. 

Please provide written confirmation of the results of your investigation, as well as a revised copy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: OR

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Today, XXXX XX/XX/year>, received a call claiming to be from Chase credit card company. Said that someone opened a credit card in my name, from XXXX XXXX, in California. 
I did not open such an account, and have never been to XXXX XXXX. 
The card limit was supposedly set at {$7000.00}, and a charge of $ XXXX, was being made. 
The caller claimed to have canceled the purchase and shut down the card. 

Supposedly, Chase case # is XXXX. Caller identified as XXXX XXXX. XXXX Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I was suppose to receive a direct deposit from XXXX for {$610.00} that I never received. Chime bank is saying the never received the funds but it shows clearly on the XXXX website that my deposit was received by the bank. 

I verified that the bank account was correct on two separate occasions and am currently waiting for a call back so that XXXX XXXX can make a fraud claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
We sold our house and received a check from XXXX XXXX, drawn on XXXX XXXX  for the remainder of the premium paid. 5/3 rd bank is holding the check for 10 days because " They received information that there may be a problem with this check ''. I called them out on this because either a check is reported stolen or its not. When I said I didn't have any problems cashing checks when my last name was XXXXXXXX XXXX XXXX XXXX XXXX  ) but now " there may be a problem with my deposits now that my name is XXXX ( very XXXX name ) they backpedaled very hard denying that was said. THEN I was told the hold was " for my protection ''. This is very blatant racism and is preventing me from providing food for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased an item from XXXX for the amount of {$120.00} using my XXXX XXXX on XX/XX/year>. I returned it the day after on XX/XX/year> and was told by XXXX that they issued the refund to a different card : my Capital One credit card. 

XXXX and their processor XXXX have provided me with a refund confirmation and ARN number showing the refund was processed to Capital One in XX/XX/year>. However, Capital One has repeatedly claimed that no refund has posted to my account. I have provided Capital One with the XXXX, but they still claim the refund does not exist. 

I have spent over 6 months trying to resolve this between the merchant and Capital One with no success. I am now formally requesting that the CFPB help me resolve this issue by having Capital One trace the transaction using the XXXX and explain why the refund has not posted. 

This is causing me financial stress, and I am being denied funds that should have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank was siding with the merchant who had defrauded XXXX of customers for XXXX  of dollars without reveiwing my information I had submitted sufficiently. All the evidence i provided went unoticed and they failed to give my case a proper reveiw and did not fight on behalf of me, their client.

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 2025-05-27 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: MD

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and 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 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 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

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions claims they sent XXXX checks out from my closed account on XX/XX/year>. I received XXXX check in the amount of {$50.00}, but havent received the check in the amount of {$390.00}. Each time I speak with someone from the bank Im told different stories. Its already frustrating that they allowed me to open and deposit into the account then decided XXXX XXXX  later they wanted to close the account, even then I never got a real answer as to why! To me this bank is committing fraud on the poor and predatory practices! From my understanding XXXX XXXX is the XXXX who made the decision to do this, I feel like its some sort of personal vendetta at this point!

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 2025-05-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$390.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 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: MOHELA
State: RI

Complaint narrative:
Subject : Urgent Issue Paid Loan Not Applied, Now in Collections To Whom It May Concern, I am writing to report a serious error regarding the application of a payment made to satisfy my MOHELA Direct Parent PLUS Loans ( Account No. XXXX, Loans XXXX and XXXX ). 

On [ insert date ], a check in the amount of {$16000.00} ( Check # XXXX, drawn from XXXX XXXX ) was issued by my wife, XXXX XXXX of XXXX XXXX, as full payment for the loans. The check was cashed by the XXXX XXXX XXXX XXXX XXXX and endorsed by : XXXX MOHELA Acct. Ending in XXXX XXXX Bank Routing # XXXX Reference # XXXX Despite confirmation that the funds were received and deposited, the payment has not been applied to my account, and I have now been sent to collections. 

I have spent hours on the phone with MOHELA representatives with no resolution. I am extremely concerned that this will negatively affect my credit rating, despite having satisfied the full balance. 

I am requesting immediate action to : Confirm receipt and proper application of the funds to my account. 
Withdraw the collections action. 
Correct any impact on my credit file. 
Please contact me at your earliest convenience. I am also requesting the name and contact information of the collection agency currently handling this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Thirty days ago, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and this company mentioned that they are contacting an attorney for this account.

First of all, this account is not mine ; I have never had an attorney, nor do I intend to. 
I don't know where they got the information that this account is in an attorney 's name. 
I have been requesting validation of this account, which appears on my credit report and is not mine, and I have never heard back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : XXXX XXXX XXXX/ XXXX  RADIUS GLOBAL SOLUTIONS LLC

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 2025-05-27 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I am sending this complaint to NCB MANAGEMENT SERVICE Original creditor XXXX XXXXXXXX XXXX XXXX XXXX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested the chain of custody/ownership of this account and the contract between the original owner of the debt and the now requesting party with no reply. I spoke to my attorney and saw its not even associated with my legal information and is fraud. They told me to send this Collections - Final Demand for Immediate Deletion XX/XX/year> From : XXXX XXXX XXXX, XXXX. On behalf of : XXXX XXXX XXXX : Final Notice - Improper Reporting of Collection Accounts | FCRA Violations & Privacy Breach To Whom It May Concern, You are hereby notified this is your final demand to remove the collection accounts reported on the credit file of XXXX XXXX. These accounts have been disputed 30 days ago with no lawful reinvestigation or valid verification provided. Under 15 U.S.C. 1681i ( a ) and the ruling in Cushman v.

TransUnion, you must provide detailed proof of validation- not a superficial verification. Your failure to do so constitutes a clear FCRA violation. 
The Doctrine of Estoppel by Silence applies-absent proof, the debt is presumed non-existent ( Engelhardt v. Gravens ). Your reporting violates 15 U.S.C. 1681b ( 2 ) by furnishing information without written permission and breaches accuracy standards under 15 U.S.C. 1681e ( b ).

You have exhausted your legal right to investigate or verify this debt further. Any inadequate or delayed response will be used as evidence of willful noncompliance to support immediate legal action. Immediate action required : Remove all disputed collection tradelines within 24 hours of this notice. 

Immediately cease all contact with XXXX XXXX regarding these accounts. 
Failure to comply will prompt immediate litigation and regulatory referrals, including claims for damages and attorney 's fees. 
Sincerely, 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