vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
Subject : Request for Deletion of Inaccurate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dear [ TransUnion / Experian ] Dispute Department, I am writing to formally dispute the continued reporting of an account from XXXX XXXX BANK ( account ending in XXXX ) that is listed as a charge-off on my credit file. 
This account was successfully removed from my Equifax credit report after a previous dispute due to inaccuracies in the reporting. I am attaching a copy of the XXXX credit report dated XX/XX/XXXX, which no longer includes this account. Since the information has already been determined to be invalid or unverifiable by one of the national credit reporting agencies, I am requesting equal treatment and immediate deletion of this derogatory entry from my file. Continued reporting creates an inconsistent and unfair credit profile. 
Account Details : Creditor : XXXX XXXX BANK Account Number ( partial ) : * * * * XXXX Opened : XX/XX/XXXX Balance : {$600.00} ( charged off ) Closed : XX/XX/XXXX Disputed : Ongoing XXXX Deletion Date : Verified as removed on XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX, please investigate and delete this account from my credit file if it can not be verified with complete accuracy. 

Please send me a written confirmation once the investigation has been completed. 

Sincerely, XXXX XXXX XXXX Attachments to Include : Copy of your XXXX credit report showing the account is no longer listed Copy of your ID and utility bill or proof of address Highlighted copy of TransUnion or Experian report showing the XXXX XXXX account still listed

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 2025-04-29 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: MS

Complaint narrative:
I am a victim of identity theft. My information was compromised in the XXXX  data breach. There should be no inquiries, no collections and no student loans ( Dept of Ed, XXXX XXXX etc .. ) on my credit report. I just recently did some disputes with Experian. I expect all disputed items to be deleted off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute Request for Immediate Removal of Inaccurate Negative Item ( XXXX ) from Credit Report : To : Experian Dispute Department Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ] Email : XXXX Phone : XXXX Dear Experian Disputes Team, I am formally disputing the continued presence of a negative item on my credit report associated with XXXX XXXX XXXX XXXX. The reporting of this account is both inaccurate and unlawful, and I request that it be immediately removed under the protections outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and related federal statutes. 


Why this account must be removed : XXXX has confirmed in writing that they no longer furnish data on this account to any credit bureau. Despite that, this negative item remains on my credit file, constituting inaccurate and outdated information in violation of FCRA 1681c ( a ) ( 5 ). 

XXXX has failed to address the multiple unauthorized transfers and sales of the lease account. They have not identified to whom my personal information was sold, how it was used, nor have they obtained my consent a violation of FCRA 1681b ( permissible purpose ) and 1681e ( a ) ( reasonable procedures for accuracy and integrity ). 

Under FCRA 1681s-2 ( b ), Experian is required to conduct a reasonable reinvestigation when a dispute is submitted. I am providing written confirmation from XXXX  own response stating they are no longer furnishing or reporting this item. Therefore, its continued presence on my report is a direct breach of your duty as a credit reporting agency to maintain accurate, verified, and current data. 


Furthermore, XXXX has been the subject of multiple CFPB complaints, regulatory scrutiny, and consumer lawsuits involving unfair credit reporting and abusive leasing practices. Their claim that they are not debt collectors under the FDCPA is irrelevant they remain fully responsible under the FCRA for the integrity of any data they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: DC

Complaint narrative:
The XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX was closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct the balance, status and block this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX was closed, paid in full and has a XXXX balance. See attached the letter from XXXXXXXX XXXX. Please correct the balance, status and block this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  XXXX * * XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * XXXX XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * XXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX * * * * * * * XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * * * * * XXXX XXXX XXXX * * XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express charged me an annual fee of {$690.00} for a credit card account. The account was canceled through the mobile app by my husband, not me - the primary account holder. Amex canceled the account without verifying identity, and I had no opportunity to reverse this decision. I contacted them shortly after and the reply was that " I '' reached out just XXXX day outside of the XXXX refund window ( it was my husband, they never verified and I asked for chat where they use XXXX authentication, I got only the answer that I have to review it myself ). So they refused to refund the annual fee or reopen the account. I received no value for the fee. I believe this was an unfair practice and want either the full refund or reinstatement of my account so I can use the offered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: WY

Complaint narrative:
Subject : Formal Complaint Regarding Chase Bank Unauthorized Transaction and Inaction To Whom It May Concern, I am submitting this complaint regarding JPMorgan Chase Bank due to their failure to properly address an unauthorized transaction on my personal account ; more than once.

Despite reporting the fraudulent activity in a timely manner, I have not received appropriate support or clear communication about the investigation status. According to Regulation E under the Electronic Fund Transfer Act ( EFTA ), Chase is required to : Investigate the issue within 10 business days, Provide a provisional credit if the investigation takes longer Limit consumer liability if the report is made promptly.

I am requesting that the Consumer Financial Protection Bureau review this matter and assist in securing the return of the stolen funds, along with enforcement of Chases regulatory responsibilities.

Details : Bank : JPMorgan Chase Bank Type of Issue : Multiple Unauthorized debit / electronic transaction Date of Incident : XX/XX/year>2025 Additional incident : XX/XX/year>2025 Account Ending In : XXXX. Amount : {$840.00} Separate Incident on XXXX/XXXX/2025 : {$1100.00} Date Reported to Bank : XXXX/XXXX/2025. Other incident : XX/XX/year>2025 Thank you for your time and support. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-29 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:
I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX XXXX XXXX accounts # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ). The following errors require immediate correction and deletion : Inaccuracies Identified : Incorrect Payment Dates : The accounts falsely reflect a " 60 days past due '' status in XXXX and XX/XX/year>, despite my records showing timely payments. 

The " Last Payment Made '' dates ( XX/XX/year> and XX/XX/year> ) are incorrect. 

Misreported Delinquency : The " Maximum Delinquency '' notations for both accounts are inaccurate and unsupported by evidence.

Outdated/Incomplete Investigation : Previous disputes resulted in partial updates but failed to fully address the errors, as required by FCRA 611 ( 15 U.S.C. 1681i ).

Legal Basis for Deletion : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers ( XXXXXXXX XXXX XXXX XXXX must : Correct and update inaccurate information. 

Conduct a reasonable investigation upon dispute.

Delete unverifiable data within 30 days.

Since the bank has failed to provide verifiable proof of the disputed delinquency and payment dates, these accounts must be permanently deleted from my credit file. 
I will include the investigation results in upload.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX XXXX XXXX accounts # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ). The following errors require immediate correction and deletion : Inaccuracies Identified : Incorrect Payment Dates : The accounts falsely reflect a " 60 days past due '' status in XXXX and XX/XX/year>, despite my records showing timely payments. 

The " Last Payment Made '' dates ( XX/XX/year> and XX/XX/year> ) are incorrect. 

Misreported Delinquency : The " Maximum Delinquency '' notations for both accounts are inaccurate and unsupported by evidence.

Outdated/Incomplete Investigation : Previous disputes resulted in partial updates but failed to fully address the errors, as required by FCRA 611 ( 15 U.S.C. 1681i ).

Legal Basis for Deletion : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers ( XXXXXXXX XXXX XXXX XXXX must : Correct and update inaccurate information. 

Conduct a reasonable investigation upon dispute.

Delete unverifiable data within 30 days.

Since the bank has failed to provide verifiable proof of the disputed delinquency and payment dates, these accounts must be permanently deleted from my credit file. 
I will include the investigation results in upload.

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 2025-04-29 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: GA

Complaint narrative:
urgent Request for Investigation and Enforcement Failure to Issue 1099-C for Charged-Off Account 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 non-monetary relief
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act XXXX U.S.C Sec XXXX ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a XXXX form for the charge off. Equifax has also violated XXXX U.S. Code XXXX, XXXX U.S.C. XXXX ( XXXX ) ( I ) and XXXX U.S. Code XXXX. I feel Equifax has violated my rights for a fair credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Contacted XXXX XXXX to pay debt, representative stated it has already been sent to collections. They could not provide me with any additional information. I contacted collection company for a settlement amount. Collection agency refused to settle. Collection is listed on credit report twice with two different amounts. Fees are excessive, over twice the amount of the product.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against MOHELA regarding their misrepresentation and mishandling of my federal student loan account under the XXXX ( Saving on a Valuable Education ) repayment plan. 

As a borrower enrolled in the XXXX plan, I was explicitly informed that no interest would accrue during the administrative forbearance period and that any unpaid interest would be subsidized. Despite this, I have been charged {$9300.00} in interest a clear violation of the terms that were communicated to me at the time of enrollment. I have attempted to contact them multiple times regarding this issue with no response. 

I consider this action to be deceptive and fraudulent. MOHELA assured borrowers that interest would not accumulate during the forbearance or under the XXXX plan if monthly payments did not cover the accrued interest. These assurances were publicly communicated via MOHELAs website, customer service representatives, and Department of Education materials. 

I am requesting that the full {$9300.00} in interest be waived immediately, and that a full review of my account be conducted to ensure no further improper charges are being made. I also urge the Consumer Financial Protection Bureau to investigate this issue as it may be impacting a large number of borrowers in a similar fashion. 

This breach of trust and financial harm has caused unnecessary stress and concern. I respectfully ask for swift corrective action. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation