vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: OK

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within XXXX  days. I have included the necessary documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Account No. # XXXX Dispute of Charge-Off and 1099-C Reporting Dear XXXX XXXX, I am formally disputing the validity and continued reporting of the above-referenced account, which has been listed as a charge-off and subsequently associated with IRS Form 1099-C.

1. Violation of Federal Law ( FCRA 15 U.S.C. 1681s-2 ( b ) ) Under the Fair Credit Reporting Act, furnishers of information are required to investigate disputes, correct inaccuracies, and cease reporting information that can not be verified. By issuing a 1099-C, your company has represented to the IRS that the debt was canceled or forgiven. Therefore, reporting the same account as an outstanding charge-off with a balance due is misleading, inaccurate, and in violation of 1681s-2 ( b ).

2. Pennsylvania Collections Law Compliance As a resident of Pennsylvania, I am also protected by the states debt collection statutes and consumer protection laws, which prohibit deceptive, misleading, or unfair collection practices. Continuing to attempt collection or reporting of a debt that you have declared canceled may constitute an unfair or unlawful collection practice under Pennsylvania law.

3. Requested Action Immediately investigate this dispute in compliance with FCRA requirements.

Provide documented evidence that this account is legally collectible and has not been canceled. 
If no such evidence exists, update all consumer reporting agencies to which you furnish information, removing the charge-off and any balance due. 
Confirm in writing that no further collection efforts will be undertaken on this account. 

If this matter is not corrected, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Pennsylvania Attorney Generals Office, and the Federal Trade Commission, as well as consider private legal remedies. 

Please respond to this dispute within the statutory timeframe. 

Sincerely, 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 2025-08-20 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: LA

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 2025-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: GA

Complaint narrative:
I attended the XXXX XXXX of XXXX between XXXX, financing my education with private student loans from Sallie Mae XXXX In XXXX, I received a letter from the U.S. Department of Education stating that all borrowers who enrolled at any Art Institutes campus on or after XX/XX/XXXX, through XX/XX/XXXX, are eligible for an automatic discharge of their related federal and private student loans, based on findings of widespread misrepresentation about employment rates, salaries, and career services. 

Despite this federal determination, Sallie Mae rejected my discharge request. I completed Sallie Maes application process and provided supporting documents, including my transcripts, tax transcripts, multiple job rejection emails ( XXXX in total ), and emails from the XXXX XXXX that misled me about job placement and salary expectations. Nevertheless, Sallie Mae denied my application citing lack of proof of employment provided. 

This denial is inconsistent with the Department of Educations group discharge finding, which determined that all eligible borrowers were harmed and do not need to prove individual employment outcomes. As a result, Sallie Mae is improperly holding me responsible for private student loans that should have been automatically discharged under federal policy. 

I am requesting that Sallie Mae honor the Department of Educations determination and immediately discharge my private student loans related to the XXXX XXXX, refund any payments made, and correct my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Despite my efforts, inaccurate accounts continue to appear on my credit report and have not been taken off. I am therefore asking that the documents I submitted be checked in detail to ensure this matter is resolved properly and I can finally stop worrying about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Chime Financial Inc
State: MI

Complaint narrative:
On Saturday, XX/XX/XXXX around XXXX, two unauthorized transactions were on my account. One was XXXX XXXX XXXX for {$37.00} and XXXX XXXX for {$14.00}, which seemed to be a Double-dash order. I do not have a XXXX account so this could not have been me. I noticed this at XXXX and contacted Chime immediately. I said I do not have a Doordash account and I got a new card. Chime said that merchants like XXXX have automatic XXXX updates so someone with your old information can still use it even if you got a new card. I asked them to block all future XXXX transactions from my account since I dont have an account with them. 

After waiting for the charge to post and not be in pending on XX/XX/year>, I filed a dispute saying everything that happened. They denied my dispute on XX/XX/XXXX claiming no error occurred. 

I reopened the dispute that same day, and this time the Chime representative asked if I contacted XXXX to work it out. I reiterated that I am not a XXXX customer and never ordered anything so there is no way for me to log in to XXXX and use the help center. They said I need to upload documentation from the merchant with the reopened dispute but I was explaining that I can not do that because I am not a customer of XXXX and do not have an account. They denied my dispute again on XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX and explained what happened but they said they can not locate the charges and I dont have an account with them. I asked if they could provide that in email so I could upload documentation to a new dispute with Chime. They said no. They said Chime will have to call them. I said they wont ( from past experience of Chime not contacting and refusing to contact the merchant after begging ) and that Chime needs documentation. XXXX said they could not give that to me and said said Chime will have to call them and use the following reference number : Reference number : XXXX My experience with Chime denying disputes with no investigation being done is horrible. I have done everything I could and Chime has a history of being unwilling to work with its customers, and the merchants where the fraudulent charges occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 2025-08-20 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OH

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 2025-08-20 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: MA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime closed my account on XX/XX/XXXX then they issued a credit XX/XX/XXXX for a dispute I filed on XX/XX/XXXX, then they denied the dispute on XX/XX/XXXX just 6 days after the credit was applied to a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
i filed a dispute two weeks ago at chime for fraud someone stole {$1500.00} out of my account its been more than 10 days and my dispute keeps getting denied and i havent had the chance to know why i provided more information and the phone number used to impersonate chime. i would like to not have too keep appealing unauthorized charges i use chime everyday to get to and from work and also for my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: FL

Complaint narrative:
Mohela has transferred all the loans as the servicer to XXXX XXXX. XXXX XXXX has sent me a letter confirming this. In addition Mohelas website confirmed this. They are lying the the credit bureaus to collect the same amount as XXXX XXXX and claiming they are still the servicer which is not true. XXXX XXXX is who I owe money to. Not Mohela. I have asked for proof of XXXX XXXX transferring over the amount to them and they have never provided any proof of this. They have never provided any type of statement showing that XXXX XXXX gave them the loan back and are reporting to the credit bureaus that I owe them money. They are falsifying the loan amount to get money that is not theirs. I have proof it was transferred and not under their name.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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 am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am disputing Experians continued reporting of two XXXX XXXX tradelines that are inaccurate, unverifiable, and misleading. 

Accounts in question : XXXX Account # XXXX XXXX Account # XXXX New Evidence : After Experians recent reinvestigation, both accounts now show : Status : NO STATUS Balance : Blank Payment history : None available Highest balance : Blank Label : Potentially Negative Despite this, Experians results state : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

This is contradictory and noncompliant : If XXXX XXXX verified the accounts, the original charge-off status, balances, and payment histories would still appear. 

If XXXX XXXX did not verify, Experian is required under FCRA 611 ( a ) ( 5 ) to delete the accounts in their entirety. 

Instead, Experian left two duplicate XXXX tradelines with no status, falsely marked verified, which misleads creditors and damages my credit standing. 

FCRA Violations : 1681i Failure to conduct a reasonable reinvestigation. 

XXXX ( b ) Failure to ensure maximum possible accuracy. 

Demand : I demand that both of these inaccurate, incorrect, and unverifiable XXXX XXXX accounts be immediately deleted from my Experian credit file. 

Further, XXXX XXXX continues to report these two tradelines on Equifax and XX/XX/XXXX which is also unlawful. I therefore demand that Experian delete these two accounts and that XXXX XXXX immediately withdraw both tradelines from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief