vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: DISCOVER BANK
State: PA

Complaint narrative:
I am in receipt of your letter dated XX/XX/year>2025, regarding the above-referenced account. I must reiterate that Discovers continued reporting of inaccurate or incomplete information to consumer reporting agencies is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Equal Credit Opportunity Act ( ECOA ).

Despite multiple disputes filed through the proper channels, your institution continues to maintain a position that disregards new and relevant information provided. This is unacceptable. You have failed to provide a full and proper reinvestigation as required by law under 15 U.S. Code 1681i, and your blanket refusal to consider additional evidence or communication constitutes willful noncompliance.

Additionally, your claim that you may not respond to future inquiries unless I provide new information is misleading and coercive. Every consumer has the right to dispute any and all inaccurate, outdated, or unverifiable informationat any time, and as often as necessaryuntil a matter is resolved or removed. Repeatedly ignoring my disputes or claiming theyve already been resolved does not satisfy your legal obligation to investigate each claim in good faith.

I am requesting the following : 1. A full and documented reinvestigation of my disputes, including all relevant documentation used in your decision-making process ; 2. Immediate cessation of inaccurate reporting and removal of unverifiable or misleading negative entries ; 3. Written confirmation that my concerns have been re-evaluated with fresh consideration and in accordance with federal consumer protection laws.

If this matter is not resolved promptly and satisfactorily, I will escalate the issue further through the CFPB, my states Attorney General, and consider private legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-04-09 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: MS

Complaint narrative:
I am a victim of identity theft. Please remove these collection accounts XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CBC Companies, Inc.
State: FL

Complaint narrative:
am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ). 
I kindly request that you block and remove all information related to this incident 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 2025-04-09 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 submitting this complaint against Equifax for failing to correct or delete inaccurate and non-compliant reporting of a collection account from XXXX XXXX XXXX. 

Despite my previous certified disputes and attached documentation, Equifax continues to report this account with : XXXX XXXX  ( XXXX XXXX XXXX into XXXX A {$2700.00} past due balance with no payment activity or validation No itemized breakdown or debt verification provided by the collector This violates FCRA 1681e ( b ) ( requiring maximum possible accuracy ) and Metro 2 formatting guidelines, which prohibit monthly updates that imply active collection activity when none exists. The account was opened in XX/XX/XXXX and has never been paid, yet is being updated monthly to make it appear actively delinquent, when in fact it is static and unverifiable. 

I previously requested correction or deletion based on these compliance failures, and Equifax responded with a generic notice saying the item was " previously disputed '' this ignores the new, timestamped evidence I submitted. No reinvestigation was properly conducted, and no documentation has been provided from XXXX. 

This is causing continued damage to my credit profile and must be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
A certified dispute was mailed to Synchrony Bank on XX/XX/year> requesting verification of an account reporting a {$2000.00} past-due balance, despite being marked as closed due to inactivity. As of 4/9/2025, no documentation or response has been received.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report only accurate and verifiable information. Failure to verify or respond within a reasonable period constitutes non-compliance with FCRA 611 and supports immediate deletion.

Since Synchrony Bank has failed to verify the account or justify continued reporting after receiving proper notice, this item should be removed entirely as it can not be verified as accurate 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 2025-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no clue how they got there. I routinely monitor my credit report, but this time, unexpected errors appeared. I even refreshed the page thinking it might be a glitch, but the inaccurate information remained. I kindly request a thorough review of the documents Ive submitted so I can finally have peace of mind about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Ive noticed that my credit report lists incorrect personal information, which seems to be tied to an account I dont recognize. Ive been a victim of identity theft, and my details were clearly used fraudulently this account doesnt belong to me. I followed all the steps, including filing a report with the FTC and the Police as Experian advised, and submitted the necessary documents. But despite this, the fraudulent item still hasnt been removed. This has gone on long enough, it has become increasingly frustrating, damaging not just my mental well-being but also my financial reputation as I am dealing with the consequences of someone else 's misuse of my 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 explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Dear Transunion, Equifax and Experian. 

This letter serves as a formal dispute regarding a severely inaccurate, unauthorized, and unverifiable account listed on my credit report under the name " XXXX XXXX. '' I have no knowledge of ever authorizing or opening this account. The inconsistent and negative reporting across the three major credit bureaus further underscores the erroneous nature of this listing. 

Here is a breakdown of the discrepancies and reasons for this dispute : Account Information : Creditor Name XXXX XXXX XXXXAccount Number XXXX Reasons for Dispute : 1Unauthorized Account : I have no recollection of ever applying for or authorizing this " XXXX XXXX '' account. This suggests potential identity theft or a significant error in account creation. 
2Unverifiable Account : Due to the lack of my authorization and knowledge of this account, I believe the information associated with it is unverifiable. 
3Grossly Inaccurate Payment History : The reported payment history is inconsistent and contains significant discrepancies across the credit bureaus : TransUnion : Shows as " Charge Off '' as bad debt with " Unknown Payment History '' starting XX/XX/XXXX. This lack of payment history information further indicates an issue with the account 's validity. 
XXXX : Reports 13 potential negative months, starting on XX/XX/XXXX and charged off in XX/XX/XXXX. 
Experian : Reports late payments starting in XX/XX/XXXX, with 24 potential negative months. 

The significant inconsistencies in the reported late payment start dates, the duration of negative reporting, and the overall account status across the bureaus clearly demonstrate the inaccuracy and unreliability of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Dear Transunion, Equifax and Experian. 

This letter serves as a formal dispute regarding a severely inaccurate, unauthorized, and unverifiable account listed on my credit report under the name " XXXX XXXX. '' I have no knowledge of ever authorizing or opening this account. The inconsistent and negative reporting across the three major credit bureaus further underscores the erroneous nature of this listing. 

Here is a breakdown of the discrepancies and reasons for this dispute : Account Information : Creditor Name XXXX XXXX XXXXAccount Number XXXX Reasons for Dispute : 1Unauthorized Account : I have no recollection of ever applying for or authorizing this " XXXX XXXX '' account. This suggests potential identity theft or a significant error in account creation. 
2Unverifiable Account : Due to the lack of my authorization and knowledge of this account, I believe the information associated with it is unverifiable. 
3Grossly Inaccurate Payment History : The reported payment history is inconsistent and contains significant discrepancies across the credit bureaus : TransUnion : Shows as " Charge Off '' as bad debt with " Unknown Payment History '' starting XX/XX/XXXX. This lack of payment history information further indicates an issue with the account 's validity. 
XXXX : Reports 13 potential negative months, starting on XX/XX/XXXX and charged off in XX/XX/XXXX. 
Experian : Reports late payments starting in XX/XX/XXXX, with 24 potential negative months. 

The significant inconsistencies in the reported late payment start dates, the duration of negative reporting, and the overall account status across the bureaus clearly demonstrate the inaccuracy and unreliability of this 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been repeatedly receiving phone calls from Portfolio recovery from multiple numbers. They are trying to collect a debt owed by someone else. I let them know they have the wrong number and to stop calling me but they keep calling at least daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Dear Transunion, Equifax and Experian. 

This letter serves as a formal dispute regarding a severely inaccurate, unauthorized, and unverifiable account listed on my credit report under the name " XXXX XXXX. '' I have no knowledge of ever authorizing or opening this account. The inconsistent and negative reporting across the three major credit bureaus further underscores the erroneous nature of this listing. 

Here is a breakdown of the discrepancies and reasons for this dispute : Account Information : Creditor Name XXXX XXXX XXXXAccount Number XXXX Reasons for Dispute : 1Unauthorized Account : I have no recollection of ever applying for or authorizing this " XXXX XXXX '' account. This suggests potential identity theft or a significant error in account creation. 
2Unverifiable Account : Due to the lack of my authorization and knowledge of this account, I believe the information associated with it is unverifiable. 
3Grossly Inaccurate Payment History : The reported payment history is inconsistent and contains significant discrepancies across the credit bureaus : TransUnion : Shows as " Charge Off '' as bad debt with " Unknown Payment History '' starting XX/XX/XXXX. This lack of payment history information further indicates an issue with the account 's validity. 
XXXX : Reports 13 potential negative months, starting on XX/XX/XXXX and charged off in XX/XX/XXXX. 
Experian : Reports late payments starting in XX/XX/XXXX, with 24 potential negative months. 

The significant inconsistencies in the reported late payment start dates, the duration of negative reporting, and the overall account status across the bureaus clearly demonstrate the inaccuracy and unreliability of this 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 explanation
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion has failed to correct or delete inaccurate and non-compliant tradelines after multiple disputes. I previously sent a certified letter with notarized affidavit and supporting documentation. 

The following accounts are being reported in a manner that violates FCRA accuracy standards and Metro 2 formatting guidelines : 1. XXXX XXXX XXXX TransUnion continues to report monthly CO charge-off notations from XXXX through XXXX The account was charged off in XXXX, and should not show ongoing updates or late payments The past due balance is still reporting post-charge-off, which is misleading This violates Metro 2 and FCRA 1681e ( b ) for failing to ensure accurate representation 2. XXXX XXXX TransUnion recently updated the account, but is still reporting a 30-day late payment in XX/XX/XXXX The account is now closed, and no documentation has been provided to support this late mark I am requesting full correction to 100 % on-time history or deletion if it can not be verified 3. XXXX XXXX XXXX ( Collection ) Still reporting monthly C notations ( collection updates ) through XXXX No payments have been made and no debt validation has been received This misrepresents the account as actively delinquent and violates the FCRA These issues were not resolved through direct disputes, and TransUnion has failed to provide documentation or reinvestigation results as required.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/year> XXXX I dont have information on this debt. Requested a forward flow agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX DEPTNELNET XXXX, XXXX XXXX XX/XX/year> I am writing to formally request the discharge of my student loans due to a violation of 15 U.S code 1681B and the Family Educational Rights and Privacy Act ( FERPA ) .FERPA protects the privacy of student education records and grants students certain rights regarding their information.I believe that my rights under this law have been violated in relation to my student loans.As outlined in 20 U.S.C . 1232g, FERPA allows for the discharge of student loans if an institution fails to comply with the requirements regarding the privacy of student educational records.To move forward with this process I request that you review my case and consider the evidence I have enclosed that demonstrates the violation of my rights under FERPA.Please inform me of any additional information or documentation you may need to process my request.Thank you for your attention to this matter.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: AL

Complaint narrative:
Ive gotten more that 7 calls in 7 days for the same loan. they are breaking federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief