vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
After reviewing my credit file, I noticed information that does not match up with my actual credit history. Specifically, the item in question is either outdated, incorrectly reported, or does not belong to me. I have verified my records, and I am confident that this entry is an error.

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 2025-06-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-06-03 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: NV

Complaint narrative:
I am formally requesting that your agency comply with the Fair Credit Reporting Act ( FCRA ) concerning the persistent mishandling of my credit report. Despite multiple disputes filed, you have failed to remove fraudulent accounts not belonging to me and continue to report unverifiable information. 

This behavior violates federal law and infringes on my consumer rights. The accounts listed below were fraudulently opened due to identity theft. Although I have submitted several dispute letters seeking their removal, your responses have been vague and insufficient, failing to meet the legal standards mandated by the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a thorough investigation upon receipt of a consumer dispute. Your ongoing use of generic form responses, without providing original documentation validating the debts, constitutes noncompliance.

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the highest possible accuracy in reporting. Your failure to correct these inaccuracies reflects a reckless disregard for your legal obligations. 

You have 30 days from the date of this letter to provide the following : Original and complete verification documents from the creditors validating the accountsnot generic or template responses ; A detailed report of the investigation conducted, outlining every step taken ; The names, job titles, and contact information of the individuals responsible for reviewing and responding to my dispute ; Written confirmation that all unverifiable information has been permanently removed from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to provide a satisfactory response within this timeframe, I will initiate legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also pursue litigation under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, with confirmation from the respective financial institutions that they should not be linked to my credit file. Please promptly remove these accounts or provide valid verification if you choose to continue reporting them : 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 explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: KY

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report. In accordance with 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that the disputed information be deleted. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Netspend Corporation
State: NV

Complaint narrative:
I'm on XXXX because of XXXX XXXX  keep that in mind. So every around third of the month I get paid well this particular month I had forgotten my login information. So when I got paid and my rent was due I was having problems signing into my account and withdrawing my money because I had forgotten my PIN and my password. So I called NetSpend with a simple request to reset my password. So I was on hold for a minimum of 3 hours for the first time just for them to tell me that I needed identity verification which is understandable right? But then I told them that my wallet and my phone had just been stolen because I had and I did not have access to any of those things anymore. So then I asked them if I could verify my account some other way because I had remembered well my fiance had remembered that one time they had verified me by asking me some questions like where I lived in the past what state I was from and all that. They continue to tell me that they could not do that this time because I had locked myself out of my account which I locked myself out of my account many times before and it didn't matter but anyways so they put me on hold again because they wanted me to speak to a general manager and they wanted me to then speak to an account specialist well by this time I was pretty infuriated so I called him some choice names and then they put me on hold once again for another hour and a half only for somebody to come back on the phone and tell me that if I did not switch all my money out of my account within the next half an hour they were going to close my account I did not have another bank account at that time I didn't have anything at that time because my wallet my phone everything I had previously been stolen. So while I'm in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they just keep telling me that it'll be okay don't worry we'll connect you with another specialist. So I talked to the last specialist and they tell me that I'm going to have to wait yet another 24 hours before my account will be unlocked and I'll be able to withdraw any of my money and I questioned that because previously when this had happened before in the past they had just asked me what state I was from where I was born a series of questions a series of security questions that prove that I was me but this time it just didn't happen that way. So now I'm homeless living with my boyfriend and we are in the words of getting kicked out because I have no funds because NetSpend will not release my money to me my social security money 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 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
All my loans were serviced by XXXX. And as you are aware the CFPB Baned Navient from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to Pay {$120.00} XXXX for Wide-Ranging Student Lending Failures. I was told my loans would be forgiven due to this situation. Yet they are still open and I didnt even get any form of relief or settlement amount from Navient XXXX I understand the argument over Student loan forgiveness but when youre impacted by predatory lending as the CFPB referred to them then I feel as a struggling single parent who was mislead and as a result owe on loans that had I been given the correct information might have been paid off, instead I am back to square XXXX and getting hit on my credit reports because I cant afford to repay them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
My name is XXXX XXXX, SSN ending in XXXX, residing at XXXX XXXX XXXX, XXXX, CA XXXX, phone number XXXX, and email XXXX. I am filing a complaint regarding multiple unauthorized hard inquiries that have appeared on my credit report through Experian. I did not authorize these inquiries and have made multiple attempts to dispute them directly with the credit bureau, but the issue remains unresolved. I also contacted the companies listed on the inquiries, and they each stated they have no record of an application or authorization in my name.

The inquiries I am disputing as unauthorized are : 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 I am requesting that these inquiries be investigated and permanently removed from my credit report as I did not authorize them and they are negatively affecting my 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 explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report.

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship.

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PR

Complaint narrative:
I have no knowledge of an account like this and less that I have a balance in collection. This information was disputed through disputes by credit agencies and it never sent written information referring to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 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: VA

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-03 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Fraud and Negligence Mishandling of Fraudulent Transactions by Chase Bank Company : JPMorgan Chase Bank Product : Checking account Issue : Fraud or scam ; account compromised and mishandled by the bank Complaint Details : On XX/XX/, I reported fraudulent activity on my Chase checking account resulting from a compromised joint account tied to my mother. Fraudulent checks had been deposited into both of our accounts without our authorization. I acted quickly and responsibly by immediately calling Chase to report these transactions as fraudulent. 

Despite flagging these deposits as fraud on XX/XX/XXXX, Chase still credited the fraudulent checks to my account. Chase representatives assured me multiple times over the phone ( on recorded lines ) that these transactions were already marked as fraudulent, and that the funds would be removed the next business day. On XX/XX/XXXX, I saw a {$4600.00} debit from my account and assumed this reflected Chases removal of the fraudulent credits as promised. 

To protect my account, I followed Chases guidance and : Changed my username and password. 

Created a verbal passcode. 

Called multiple departments to confirm that my account was secure. 

I even asked Chases claims team, specifically and clearly, Do I need to create a new bank account or freeze this one to protect my funds? They explicitly told me no, and reassured me that the account was secure and fully protected. 

But on Monday, XX/XX/XXXX, I checked my account and was shocked to find my balance wiped out I was even in the negative. The {$4600.00} debit on XX/XX/XXXX that I thought was Chases action was actually a fraudulent withdrawal made by the same criminal actor who compromised my mothers account. Chase had done nothing to secure my account or prevent the fraud from escalating, despite my repeated calls and warnings. 

This was negligence on Chases part : They ignored my fraud report and credited my account with fraudulent funds. 

They provided incorrect information about the safety of my account. 

They failed to block or freeze my account, even though I asked them clearly and directly whether that was necessary. 

They misrepresented the origin of the {$4600.00} debit, causing me to falsely believe the matter was resolved. 

I am now a victim of both financial fraud and institutional negligence. I have been left with a negative account balance and no access to my own money, all due to Chases failures in risk management and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This company was trying to collect {$17000.00}. The account its not even mine. They reported to my credit report, so I dispute that to all three credit agencies and all three and they No responded back to me so I called the Company direct they not respond to either so I want you guys to check for me and to tell me how they got My information.

Company response to consumer: Closed with explanation