vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX , Date Opened : XX/XX/XXXX, Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My father was hacked and they tried to get money by saying I was in a car accident and was locked up. Thankfully he didn't fall for it.. However I then went and locked all of my accounts and experian charged me XXXX to lock my account when it is supposed to be a free service. Also with this charge they made it impossible to get ahold of someone via their IVR .. And they refused to refund me my money back. I don't need them to monitor my service. I don't need them to do anything other than lock my account... This is the second time I have had to place a complaint this week due to how companies are running thier business any more. They don't care about people they care about getting the money at any cost........ Experian should be shut down and put out of business. The govement shouldn't trust them with anything. They were hacked a few years back, and then want to charge people for services? REALLY? The govement should be held accountable as well.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: ME

Complaint narrative:
Date : XX/XX/year> I am filing this complaint regarding an alleged debt originally from XXXX XXXX, which has been referred to the law firm Rubin & Rothman , LLC for collection. 

As of todays date, I have not received any written 30-day debt validation notice from Rubin & Rothman or from XXXX XXXX  regarding this alleged debt. I only became aware of potential legal action after speaking to representatives by phone. 

On XX/XX/year>, I made two phone calls to Rubin & Rothman in good faith to request validation of the debt : The first call occurred at XXXX XXXX  XXXX XXXX XXXX. During this call, I began reading a formal legal statement requesting validation of the debt. Before I even identified myself, the representative disconnected the call without speaking at all. 
The second call occurred at XXXX XXXX  XXXX XXXX XXXX. I explained that I had just been hung up on while trying to assert my rights under the Fair Debt Collection Practices Act. I then provided my name, and the representative told me the matter needed to be transferred to another department. During that transfer, the call was disconnected again, and I received no follow-up or response. 

Following these calls, I submitted a written request for validation by email to the law firm. As of this complaint, I have not received any response or documentation. Despite this, I have been informed that a lawsuit was filed against me, which I believe was done improperly and without the required notice or validation process. 

Based on these facts, I believe Rubin & Rothman , LLC has violated the Fair Debt Collection Practices Act ( FDCPA ) particularly 15 U.S.C. 1692g, which requires debt collectors to send a written notice and provide validation upon request before initiating legal action. 

I respectfully request an investigation into this law firms conduct, immediate proof of the debt, and appropriate corrective action if violations are confirmed.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX to deposit {$9000.00} in cash using the cash deposit machine at t

he entrance of the bank. I intended to deposit the funds in three equal installments of {$3000.00} each. First Installment : The first {$3000.00} was successfully deposited without any issues. Second Installment : During the deposit of the second {$3000.00}, the machine displayed an error message and instructed me to seek assistance. The money was not returned, and it was stuck in the machine. Branch Assistance : I immediately approached the branch manager, who informed me that they can not open the machine as it is serviced by a third party, but assured me that they would file a claim on my behalf and that the CCTV footage would support my c
ase. They also assisted me in depositing the final {$3000.00} over the counter at the bank. 

Following this incident, I filed a dispute. On XX/XX/year>, I was credited the {$3000.00}, but the credit was reversed on XX/XX/year>. I contacted the claims dispute helpline and was informed that the reversal occurred due to confusion regarding three identical transactions. The claim department mistakenly believed I had already received the funds for the second deposit.

I was assured that the matter would be reasserted, and I would receive my money back. However, on XX/XX/year>, I was informed that the bank could not find proof of the funds and, as a result, I would not be reimbursed. When I requested further details regarding their findings, I was merely informed that they had serviced the ATM twice following my complaint, but the findings of the same were not provided. Additionally, when I inquired about whether CCTV footage had been reviewed, I was told that the claims department did not have access to the footage and that I would need to subpoena it myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received a notification about a change in my credit score and it dropped a significant amount and upon further inspection it said it was due to my student loans.

Shortly after I had called Nelnet to figure out the issue and the representative told me that my auto payments were cancelled. When I informed that I was never notified of that happening or the fact that they never reached out to me about the fact my payments had started back up I was met with silence and no knowledge of anything to help from their end.

When asked about the master promissory note and the chain of custody the response was met with confusion and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX one of the shareholders via email about sending me an up to date payment ledger of all payments made in which he fails to respond. Ive called Kohn law firm as well and they are extremely rude and arrogant and very unprofessional and hang up. They refuse to provide me any details in regards to releasing garnishment once paid in full, in which stated they cant make full guarantee that the garnishment will be immediately lifted or when they will contact my employer about stopping garnishment once balance is paid which by law they are required to do so! What they are doing is illegal and very shady.they are literally bc collecting money and refuse to have any sort of communication. I have even requested a call back in which they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws. 

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws. 

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
XXXX XXXX XXXXXXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Amount : {$0.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2500.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Please remove it from my credit report under 15 USC 1681i

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My amount of debt due to long term forbearance plans has more than double the amount I took out because of the interest. For seven years I was sick and not working. I never understood that much interest could be charged. Even after that when I went on plans my interest kept growing.

I am currently on an income based retirement plan but I will be on XXXX XXXX in XXXX. If I could get a reduction close to my original loan amount I could possibly pay it off with my XXXX. 

How do I get credit to the balance from the CFPB lawsuit against Navient. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been with XXXX for over 10 years and I've never missed a payment. However I did miss a payment in XXXX. The missed payment was a direct result of XXXX changing my billing method from mailed statements to paperless.

After I received the missed payment notification, I turned the account to auto pay and changed the billing method back to standard mailed invoices. The following day I received notification that my credit score was was slammed. It dropped from XXXX to XXXX. 

I've already been in contact with XXXX XXXX XXXX XXXX team. ( See my letter of XX/XX/year>. ) In that letter pointed out that a payment that I missed was a direct result of the company making the statement delivery change. This is not something that I ever requested or would have agreed to. I'm XXXX XXXX XXXX and I don't live on the internet or depend on communicating via email. 

I don't believe that the person in the credit department actually read my letter, since they responded that they had found that I had actually missed the payment. That was not under dispute, I had to wait 30 days to receive this response and a further 30 days because they said they were going to notify the credit bureaus about this dispute. I waited the 30 days and there was no change to my credit score.

After making several phone calls to their customer service office, I have been unable to get this corrected. Its a pretty good reflection of their customer service that no one in the call center would disclose the name of the person responsible for their credit card division. There are no phone numbers for the office or the president.

Incredibly, when talking to one of their agents on XX/XX/year>, I was told that my account had once again been turned back to paperless. 

I want this issue solved.

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 2025-07-14 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I have previously disputed XXXX, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a XXXX and I am confined to a XXXX 
On XX/XX/year> I tried to use the credit card and it was denied. I called Synchrony Bank to ask why. Their reply was " The account has been closed ''. I asked Why? and the CSR could not give a reason, but said I would receive a letter.

On or about XX/XX/year> I received a letter dated XX/XX/year> with one reason for closing the account. " Activity Indicative of Failure To Pay ''. There was a phone number to call with any questions. I called the number and asked If i was ever late on paying the total balance of the statement each month. I was never late. The CSR offered several other reasons that were not in the letter of XX/XX/year>, so I questioned further ( over 1 hour and 23 minutes on the phone ) so the CSR filed an inquiry on my behalf.

On or about XX/XX/year> I received a letter from Synchrony dated XX/XX/year> that stated another reason for closing my account : " prolonged inactivity ''. There was a phone number to call with any questions. I called the number and asked How long must an account be inactive for you to close an account? Since this card has more than one transaction each month for the last 18 months, and the statement balance was paid in full each month, I believe you have me mixed up with another account. Can you tell me what is going on?

The Synchrony Bank CSR named XXXX was unable to answer this and informed me that the copy of the letter I received dated XXXX did not contain any reference to " Prolonged Inactivity '' in the letter thay have on file. I tod her that my original of letter has that exact wording. Is it possible that you have made a mistake or are you calling me a liar? I then wanted to speak to a supervisor.

Since then I have received two more letters that do not address my questions.

Have you mixed up my account information with someone else?

If you did not mix up my account with someone else, then what information is indicative of a failure to pay? I would like to know specifically what account or item your letters are referring to.

Why did the letter of XX/XX/year> say Inactivity was a reason for closing the account? 

If XXXX statement about a credit bureau review being one of the reasons, then why was that information not included as one of the causes for the account termination in the XX/XX/year> letter or the XX/XX/year> letter? 

Do I have other Synchrony accounts that I am not aware of? 

Synchrony has not answered these important questions

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