vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
students control over the disclosure of their personal and academic information. As such, it is your legal responsibility as a loan servicer or affiliated institution to ensure my records are safeguarded from unauthorized access or disclosure.

It has come to my attention that a breach involving XXXX XXXX has potentially exposed student loan data, which may include my personal and educational information. If my records were among those compromised, this is a clear violation of FERPA, and I hold your institution accountable for failing to adequately protect my confidential information. 

I am requesting : A full investigation into whether my student records were compromised.

Written confirmation of whether my data was involved in the breach.

Immediate steps to mitigate any damage or unauthorized access to my records.

Documentation of how you intend to prevent similar breaches in the future.

Please respond to this letter within 30 days of receipt. If this matter is not addressed satisfactorily, I will not hesitate to escalate the issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office.

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate information reported by XXXX  XXXX XXXX on my TransUnion credit report. I submitted a formal dispute to TransUnion regarding a 90-day delinquency reported in XX/XX/year>, which I believe is incorrect. TransUnion responded that the information was verified as accurate but did not provide any supporting documentation from the furnisher ( XXXX  XXXX XXXX ) to justify this outcome. 

I respectfully request that the CFPB investigate whether XXXX  XXXX XXXX conducted a proper investigation under the Fair Credit Reporting Act ( FCRA ), and whether TransUnion fulfilled its duty to ensure the accuracy and completeness of my credit file. 

This incorrect negative item is harming my credit standing and causing financial consequences. I request its removal or correction with supporting evidence. 

Thank you for your assistance.

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 2025-04-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXXV Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
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 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive noticed multiple inquiries from your company showing up on my credit report, and Im incredibly confused and frustrated. I havent applied for any services, accounts, or loans with you, in fact, I dont recall having any interaction with your company at all.

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 2025-04-24 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: OH

Complaint narrative:
ITEMS ON MY CREDIT REPORT ARE SHOWING DELINQUENT AND THIS IS NOT TRUE. OTHER ACCOUNTS ARE REPORTING INACCURATE DATES AND AMOUNTS. PLEASE ADVISE THE CREDIT BUREAUS TO DO A THOROUGH INVESTIGATION ON MY ENTIRE CONSUMER FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
ITEMS ON MY CREDIT REPORT ARE SHOWING DELINQUENT AND THIS IS NOT TRUE. OTHER ACCOUNTS ARE REPORTING INACCURATE DATES AND AMOUNTS. PLEASE ADVISE THE CREDIT BUREAUS TO DO A THOROUGH INVESTIGATION ON MY ENTIRE CONSUMER FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-24 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My employer advised me that they received a letter from transworld debt collection that will be garnishing my wages. I had no idea I had a debt as I received not one notice of a debt. I called transworld and I asked for proof of debt and I have not received it. I also asked what address they had for me, they had an address where I have never lived or stayed at. They said they sent all notices there. I advised I did not receive one letter since I never lived there and I was disputing the garnishment. They stated they can not remove the garnishmentI asked even if I did not receive one notice? They said no. This is predatory practice as they garnished my wages by sending notices to an address that I have never lived at, and they refused to stop the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/year> as seen on XXXX, a debt collection was issued for {$120.00} by IC Systems, which I eventually found out to be originally sold off by XXXX XXXX, or XXXX, or so it would seem. I wasn't aware of the collection until recently as I don't check my credit score often, and received no letters or calls from the company. When I found out about it, I called XXXX, who eventually traced my account from at least XXXX years ago, who confirmed that my account balance was {$0.00} and that everything had been paid in full. They also told me they had no record of a debt that was sold off to any collections agency, and I confirmed this with multiple calls across several departments of their company. So as of now, I believe the collection to be inaccurate, as it's completely untraceable, so despite the low amount of money they're asking for, I'd like to contest it hurting my credit for the past year and a half. 

Whatever information that might be needed, I can provide.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year> I deposited a check In amount of XXXX first they said they would release XXXX on XXXX. The next morning they decide they gone hold for 2 day all the XXXX plus they held my cash money causing my account be negative.

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 2025-04-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank - Claim Information : RE : Appeal of Dispute Claim # : XXXX Card Ending in : XXXX Merchant : XXXX Transaction Date : XX/XX/2025 Amount : {$3900.00} On XX/XX/2025, I made two international bookings through XXXX  : 1. Booking # XXXX This was later requested to be canceled and refunded. 
2. Booking # XXXX This was my intended trip. 
However, XXXX mistakenly canceled the wrong booking, issuing a refund for the trip I intended to keep, while leaving the other ( canceled ) trip active and unrefunded. This led to both an unexpected refund and a missing refundeffectively leaving me with no travel itinerary and a {$3900.00} charge for services not received. 

My Resolution Efforts Between XX/XX/XXXX and early XXXX, I : Immediately notified XXXX that they refunded the wrong booking and failed to cancel the correct one. 
Provided clear documentation and a timeline of requests via their messaging system. 
Sent over 10 messages and asked multiple times to speak with a live representative. 
Was assured by XXXX XXXXhat they were working on the issue but received no confirmation or refund for the booking I requested to cancel. 
Called Chase dispute to express the concern and requested a dispute. 
I also received documentation that the refunded booking ( # XXXX ) was completed ( which I never requested ), while the intended refund for # XXXX remained pending for weeks without resolution. 

After at least 10 times communications with XXXX without a clear resolution ), I also had to cancel the intended trip with XXXX ( which they already mistaken refunded but still show a confirmation of booking on their online booking system ). This action was taken after I called Chase bank and spoke with a representative in Chase dispute team then cancelled ( since unlikely a non-paid flight booking would be kept in the end, but I can not wait for 3 months to find out no flight confirmation. 

Efforts with Chase. 
1. I called Chase bank to open a dispute.

2. The charge was " rebilled '' after 1 month, without a notice from Chase on the decision. 
3. I called Chase again and spoke with an associate, requesting an appeal. Following the instructions, i faxed my appeal letter and the evidence communications and efforts I had made with XXXX. 
4. One week later, I received a decision letter saying " no error '' in billing. 

Legal Grounds and Request This case qualifies for dispute under the Fair Credit Billing Act due to services not rendered. I made good-faith efforts to resolve this directly with XXXX, but the company failed to provide the purchased service or complete the correct refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received an email to my personal email account about an update to a checking account with a bank I am not affiliated with in my name.

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 2025-04-24 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt. Please be advised that this letter is a formal request for validation of the debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Additionally, under 15 U.S. Code 1692c ( c ), I am requesting that you cease all communication with me unless you provide proper validation of the debt.

Under the FDCPA, I have the right to request the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges. 
XXXX. A copy of the original agreement bearing my signature, or some other form of legitimate proof that I am legally obligated to pay this debt. 
4. Documentation showing that your agency has the legal authority to collect on this debt.

Furthermore, until you have provided the requested validation, you are not permitted to report this debt to the credit bureaus or continue any collection activity. If the debt has already been reported, I am requesting immediate removal of the collection entry from my credit report in accordance with the law.

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please send all correspondence to the mailing address listed above. I am keeping detailed records of all communications regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A hard inquiry from Syncb/Lowes appeared on my credit report without my permission. I have never applied for a Lowes card and have never set foot in the store.

Ive called Synchrony Bank multiple times over the past year. Theyve repeatedly stated they would delete the inquiry and send a confirmation letter none of which has ever happened.

This is an unauthorized inquiry, which violates FCRA 604 ( permissible purpose required for pulling a credit report ).

I am a 100 % XXXX veteran, and this has caused ongoing harm to my credit and mental wellbeing. 

I am demanding full removal of the inquiry and written confirmation immediately.

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 2025-04-25 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-25 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with XXXX XXXX, I formally request their removal within XXXX days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request.

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