vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Accounts and Dispute : Under the fair Credit Reporting Act ( FCRA ) 15 U. S. C. 1681, You are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 

Legal basis for immediate deletion : 1. Lack of Credible Verification- What is the dissolution of the Department of Education , there is no legally valid entity that can verify the accuracy, ownership or collection rights of these loans.

2. Material change in federal oversight the entity responsible for these loans no longer exists, rendering past reporting structures invalid.

3. Potential Violations of the FCRA 611 ( a ) ( 1 ) ( a ) - Reporting unverifiable debts is a direct violation of 15 U. S. C. 1681i ( a ) ( 5 ) ( A ). DOGE accessed my private data through the Department of Education.

4. Violation of the Family Educational Rights and Privacy ( FERPA ) - My student loan records were disclosed without my consent, violating FERPAs strict confidentiality protections.

5. Breach of the Privacy Act of 1974- It is the federal governments duty to protect the collection, maintenance and disclosure of personal information. My records were accessed with mu authorization. There was a failure to properly maintain and safeguard my records, due to the DOGE breach and any transfer of my student loans without my consent. 
I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. 
I am demanding the immediate deletion of these accounts from my credit report if these accounts are not removed, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforcement rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. To comply with result in further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
This complaint is not a duplicate of my earlier filing. It responds to Zwicker & Associates XX/XX/year> submission and details new regulatory violations they committed after my original complaint, including improper legal service on a minor, disclosure of another consumers financial documents, and continued inaccurate credit reporting. 

Zwickers response includes admissions confirming their failure to validate the debt until after regulatory involvement, confirming substitute service to a XXXX, and acknowledging a third-party data breach. Despite this, they have taken no action to delete the disputed tradelines or remedy the harm caused. 

Please review the attached XX/XX/year> letter and exhibits. I am requesting the CFPB reopen enforcement review, initiate a supervisory investigation, and refer this matter to the California Attorney General and XXXX. A global non-monetary settlement offer remains open through XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several inaccurate and inconsistently reported negative accounts that are currently being reflected on my credit reports across all three major credit bureausTransUnion, Experian, and Equifax. Despite previous attempts to resolve these issues, I have noticed continued discrepancies and inconsistencies in how these accounts are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
This letter serves as a formal follow-up dispute regarding several inaccurate and inconsistently reported negative accounts that are currently being reflected on my credit reports across all three major credit bureausTransUnion, Experian, and Equifax. Despite previous attempts to resolve these issues, I have noticed continued discrepancies and inconsistencies in how these accounts are being reported.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, Bank of America closed my account and stated that a check for {$7500.00} was mailed to me. I never received the check. After contacting customer support multiple times over several months, I was later told that the funds were now under internal review and that there was no estimated time for release. 

I no longer have online banking access to check on the account or send secure messages. Phone support has not provided any clear answers or timeline. I was told there was no option to escalate my case, and the situation has remained unresolved for over four months.

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 2025-04-18 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: OH

Complaint narrative:
Mohela was not the company I dealt with. They said they sent me a welcome letter I never got or alerted me I'd be dealing with them or if this was legit. 

Also it never shows it was supposed to be in forbearance and even if that was ending I was never alerted from them for them taking over or the fact that forbearance was changing and how to go about repayment options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, IC Systems, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. I previously held an account with XXXX XXXX and requested cancellation of the service, which XXXX XXXX confirmed via email. At the time of cancellation, I was informed that my balance was {$0.00}. Per their instructions, I also returned all required equipment in a timely manner. Since then, I have not received any communicationvia phone, email, or mailfrom XXXX XXXX or any debt collector regarding any outstanding balance. This collection account was reported without my knowledge or any prior notice and is currently having a serious negative impact on my creditworthiness and my ability to secure a home loan. Given the circumstances and my belief that this debt was reported in error, I am requesting that this collection account be removed from my credit report immediately, as required under the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-18 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 recently reviewed a copy of my credit report and notice. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-04-18 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:
I recently reviewed a copy of my credit report and notice. I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
Formal Complaint and Notice of Intent to Sue for False Credit Reporting, Defamation of Character, and Violations Under the False Claims Act To Whom It May Concern at XXXX XXXX  I am writing to formally notify you of a dispute regarding an unauthorized and inaccurate credit inquiry reported by XXXX XXXX  on my consumer credit file. This communication serves as both a formal complaint and a Notice of Intent to Initiate Legal Action should this matter not be resolved immediately. 

Background On reviewing my consumer credit report, I discovered that XXXX XXXX  initiated a hard inquiry ( or otherwise unauthorized reporting entry ) dated [ insert date of inquiry ], for which I never applied for credit, nor did I authorize such an inquiry or transaction. This constitutes a clear violation of my rights under : The Fair Credit Reporting Act ( FCRA ) which prohibits unauthorized access to consumer credit information, The False Claims Act, to the extent that any misrepresentation was made knowingly or with reckless disregard, And various state and federal defamation and consumer protection laws, as your reporting of false information has caused harm to my reputation, lowered my credit score, and created undue emotional and financial distress. 

Legal Liability Knowingly submitting false or misleading information to credit reporting agencies or failing to ensure the accuracy and legal basis for such submissions may rise to the level of willful misconduct. Furthermore, the publication of such false claims about my creditworthiness constitutes defamation per se, as defined under common law, and opens the door for compensatory and punitive damages. 

Should this matter proceed to litigation, I will seek : Immediate injunctive relief for the removal of the inquiry, Actual damages, including harm to credit score and emotional distress, Punitive damages for willful and reckless conduct, Attorneys fees and court costs.

Demand for Immediate Resolution In accordance with applicable laws, I demand the following : Immediate removal of the unauthorized credit inquiry dated [ insert date ] from all consumer credit reporting agencies ( XXXX, Equifax, and XXXX ). 

Written confirmation within XXXX calendar days from the date of this letter that the inquiry has been removed and no further false reporting will occur. 

An explanation and copy of any documentation that allegedly authorizes this inquiry. 

If I do not receive confirmation that this matter has been resolved within the timeline specified above, I will have no choice but to proceed with legal action without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: LEXISNEXIS
State: FL

Complaint narrative:
Formal Complaint and Notice of Intent to Sue for False Credit Reporting, Defamation of Character, and Violations Under the False Claims Act To Whom It May Concern at XXXX XXXX  I am writing to formally notify you of a dispute regarding an unauthorized and inaccurate credit inquiry reported by XXXX XXXX  on my consumer credit file. This communication serves as both a formal complaint and a Notice of Intent to Initiate Legal Action should this matter not be resolved immediately. 

Background On reviewing my consumer credit report, I discovered that XXXX XXXX  initiated a hard inquiry ( or otherwise unauthorized reporting entry ) dated [ insert date of inquiry ], for which I never applied for credit, nor did I authorize such an inquiry or transaction. This constitutes a clear violation of my rights under : The Fair Credit Reporting Act ( FCRA ) which prohibits unauthorized access to consumer credit information, The False Claims Act, to the extent that any misrepresentation was made knowingly or with reckless disregard, And various state and federal defamation and consumer protection laws, as your reporting of false information has caused harm to my reputation, lowered my credit score, and created undue emotional and financial distress.

Legal Liability Knowingly submitting false or misleading information to credit reporting agencies or failing to ensure the accuracy and legal basis for such submissions may rise to the level of willful misconduct. Furthermore, the publication of such false claims about my creditworthiness constitutes defamation per se, as defined under common law, and opens the door for compensatory and punitive damages. 

Should this matter proceed to litigation, I will seek : Immediate injunctive relief for the removal of the inquiry, Actual damages, including harm to credit score and emotional distress, Punitive damages for willful and reckless conduct, Attorneys fees and court costs. 

Demand for Immediate Resolution In accordance with applicable laws, I demand the following : Immediate removal of the unauthorized credit inquiry dated [ insert date ] from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  ). 

Written confirmation within XXXX calendar days from the date of this letter that the inquiry has been removed and no further false reporting will occur. 

An explanation and copy of any documentation that allegedly authorizes this inquiry. 

If I do not receive confirmation that this matter has been resolved within the timeline specified above, I will have no choice but to proceed with legal action without further notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
Portfolio Recovery has been reporting an incorrect debt owed on my credit report. The amount is inaccurate and it is negatively affecting my credit. They have also never sent me any written notice that they are trying to collect such debt and I had to seen it on my credit report as a collection. This debt is also being reported negatively by them and the original creditor. Their collection is stopping me from being able to function in this world as it flags my account. Recently they falsely stated that I made a payment to the account resetting the timeframe for debt owed and also misrepresenting and lying. I did not make a payment and they have violated my rights and the FDCPA. I have tried to dispute this and have been ignored. The original debt is {$6000.00}. Which was written off and my balance is {$0.00}. They have been reporting a false amount of {$7600.00} for years and have just recently posted a false payment of {$1.00} to reflect {$7600.00}. They are also stating they are the original creditor in some areas and then also stating it was sold. So my debt is {$0.00} with The original creditor, which is XXXX, but its reporting negative along with the collection which is an entirely different debt amount which was never written or informed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 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:
See the attached documents I am filing this complaint to request pursuant to FCRA 605b 15 USC 1681-2 that you, Experian credit reporting agency , block information that is appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent and inaccurate information consists of XXXX credit card accounts opened with XXXX XXXX, a mobile phone line opened with XXXX XXXX and a collection agency named XXXX XXXX for a loan company called XXXX  XXXX. These accounts were not opened by me and I have notified Experian of this several times. I have attached the FTC Identity Complaint ( case number XXXX ) as proof from Federal Trad Commission that all the aforementioned consumer credit accounts, collection and inquiries are the result of identity theft and fraud.

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 2025-04-18 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: PA

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 2025-04-18 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: TX

Complaint narrative:
I disputed a medical collection account with Equifax that was added by XXXX XXXX XXXX ( XXXX ) for {$580.00}. In my dispute, I explained that I had requested debt validation from the collector before the account was ever reported, and they never responded and reported the collection to the credit bureau. I am in the process of applying for a very important business loan and with the remarkable drop in my credit score I'm unable to, Despite this, the credit bureau marked the dispute as verified and said the investigation was complete without providing any details or explanation. I received no documents or review summary, and my concerns about the debt being reported in violation of the FDCPA were not addressed. I am currently in the process of applying for a critical business loan, but the significant drop in my credit score has made it impossible to proceed and has already caused serious harm. 

Under FCRA 1681i, the credit bureau is required to conduct a reasonable investigation. Simply accepting a furnishers response without reviewing or explaining anything is not reasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
This complaint is not a mistake. There are serious inaccuracies on my credit report that are causing ongoing harm to my life and financial well-being. Im asking for these errors to be corrected or removed as soon as possible. These are difficult times, and fixing this issue would make a meaningful difference for 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am disputing two unauthorized charges on my XXXX  account ending in XXXX. Both charges of {$100.00} each were made on XX/XX/year>, in XXXX. I live in XXXXXXXX XXXX, and have not traveled outside of the United States during this period. I contacted Chase four times by phone and once in person to dispute these charges, but the funds have not been returned. 

I submitted supporting documentation ( passport, proof of residence ), yet no resolution has been provided. This is a violation of Regulation E, and I respectfully request the CFPB to assist with getting a full refund for these unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, a scammer told me to send a {$60.00} application fee for an apartment. Then they told me to send {$300.00} as a refundable fee.

Company response to consumer: Closed with explanation