vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. 

Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against Experian reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
Recent changes in Dept of Education and mishandling of loans by DOGE. I am requesting loans be removed from credit report due to violation of the Consumer Financial act and violation/mishandling of my personal information. Currently in forbearance until XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 : Unjustified Account Termination, Potential Discriminatory Practices, and Request for Enforcement Actions Against Chase Bank To Whom It May Concern, I am filing a complaint against Chase Bank for unjustly refusing to establish or maintain a banking relationship with me. I recently received notification from Chase stating that they had decided to end their banking relationship with me. However, I have never had a legitimate account with them. This decision was made without explanation, raising serious concerns regarding the banks compliance with consumer protection and anti-discrimination laws. Given my history as a victim of identity theft, I am concerned that Chases decision may be based on fraudulent or inaccurate information. If their refusal to provide services is based on factors such as my name, national origin, or other protected characteristics, this could constitute a violation of the Equal Credit Opportunity Act ( ECOA ) or other consumer protection laws. I have attempted to request clarification from Chase, but they have not provided a valid reason for their decision. This lack of transparency raises additional concerns about whether their actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal law. Requested Actions & Fines Against Chase Bank I request that the CFPB conduct an investigation into Chase Banks decision and determine whether their actions violate consumer protection laws. If violations are found, I request the following enforcement actions : 1. Monetary Penalties Under the ECOA : If Chase is found to have engaged in discrimination, they should be subject to fines of {$10000.00} per violation in individual cases, and civil penalties up to {$500000.00} or 1 % of their total assets for systemic discrimination. 2. Fines for Unfair, Deceptive, or Abusive Practices ( UDAAP ) : The CFPB should issue fines of {$5000.00} per day for violations, {$25000.00} per day for reckless violations, and up to {$1.00} XXXX per day for knowing violations. 3. Community Reinvestment Act ( CRA ) Review : If Chases actions are part of a larger pattern of denying banking services to certain communities, I request that regulators impose additional penalties and corrective measures. 4. Detailed Written Explanation from Chase : Chase should be required to provide a clear, written explanation for their decision and correct any improper or unjustified actions taken against me. 5. Reinstatement of Banking Access ( if appropriate ) : If no legitimate reason is found for their decision, Chase should be required to reinstate my ability to bank with them. I appreciate the CFPBs attention to this matter and request a thorough investigation into Chase Banks unfair and potentially discriminatory banking practices. Please let me know if additional documentation is needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-04-01 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:
I kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I found unexpected discrepancies. Hoping it was a temporary glitch, I refreshed my browser, but the inaccurate accounts remained. Because of this issue, I request a thorough review of the documents I've submitted to ensure I wont have to deal with this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EMAIL : 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 2025-04-01 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: AL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed 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 explanation
Consumer complaint received 2025-04-01 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: SC

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 explanation
Consumer complaint received 2025-04-01 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Experian reports 8 inaccurate accounts not mine as 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 I disputed some ( e.g., XXXX, XXXX ) for no default dates and requested my reportExperian kept them. XXXX deleted XXXX ( screenshot ). Online/printed differ. Re-aging : past due XXXX charge-offs XXXXshouldnt last to XXXX. No contracts in my name. Violates 15 U.S.C. 1681e ( b ), 1681i. As a Californian, CCPA ( Cal. Civ. Code 1798.145 ) bans unverified datathey wont stop. Delete all now.

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 2025-04-01 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I filed a dispute on Experian. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. Experian violates my rights a consumer, as well as federal laws.

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 2025-04-01 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: NV

Complaint narrative:
I am submitting this complaint regarding XXXX and their handling of my federal student loans. 

XXXX never provided me with proper or timely notice that my loans were exiting deferment and that payments would resume. I was under the assumption my loans were still in forbearance, as I received no communication or billing statement indicating otherwise. 

***There are 2 loans. One is for XXXX and that is the one I understood was in forbearance. There is a 2nd larger one from XXXX XXXX XXXX for $ XXXX. That account I was awaiting a more affordable payment they were trying to arrange for me. 

Despite no prior warning, XXXX reported my accounts as 90 days late for XXXX on my credit report. Whats most concerning is that my account was marked as in good standing in XXXX, making this jump to a serious delinquency even more alarming. 

I am requesting the CFPB to step in and enforce XXXX to correct the inaccurate reporting by issuing a goodwill adjustment to both accounts and remove the late marks from my credit. I have no issue resuming payments moving forward, but I believe I was not given a fair opportunity to do so in this case. 

Thank you for your attention to 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 2025-04-01 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: IL

Complaint narrative:
I am submitting a complaint regarding discrepancies on my credit report from Equifax. Below are the key issues : XXXX. **Account Reporting Issue** - **Account : ** XXXX Department - **Reported : XXXX XX/XX/year> - **Balance : ** {$1100.00} - **Account Status : ** Charge-off, Closed - **Discrepancy : ** This account has been reported as a charge-off for over XXXX years, which exceeds the reporting limit. The date of closure and resolution are not provided, and this account is negatively impacting my credit score. I request immediate removal of this account from my credit report to ensure compliance with reporting guidelines. 

XXXX. XXXX Reporting Errors** - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX - XXXX XXXX XXXX, XXXX XXXX, IL XXXX - XXXX : ** I have **never** lived at either of these addresses. Both addresses are incorrect and should not be listed on my credit report. This error is preventing me from disputing the information directly, as I was instructed to verify my identity via mail, but the addresses on file are outdated and not associated with me. I request immediate removal of these addresses from my credit report. 

XXXX. XXXXEmployment Information Missing** - **Discrepancy : ** There is no employment information listed on my credit report. While this may not be an error, it contributes to an incomplete picture of my financial history. I request this information be updated, if applicable, to reflect an accurate credit report. 

-- - **Actions Taken by Me : ** - I attempted to dispute the inaccuracies directly with Equifax but was blocked from doing so due to the incorrect addresses on file. 
- I also contacted Equifax customer service but was unable to resolve these issues. 

**Requested Action : ** I am requesting that Equifax immediately investigate and remove the following discrepancies from my credit report : - The charge-off account should be removed, as it exceeds the seven-year reporting limit. 
- The incorrect addresses should be removed from my file, as I have never lived at those locations. 
- Any missing or incorrect employment information should be updated. 

These errors are severely impacting my credit report and my ability to move forward with financial decisions. I request that this matter be resolved as quickly as possible. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: KY

Complaint narrative:
XX/XX/XXXX I emailed XXXX for a request for validation of debt. Received email on XX/XX/XXXX requesting my name and address. I gave my name but did not provide an address because I am not sure when the debt started. I have not received any type of response since then. Attempted to reach out to them again today via email. Still waiting on response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am filing this complaint against Equifax due to their failure to investigate multiple valid disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) and 611 ( a ) ( 3 ). 

This complaint is related to a previous claim I submitted on XX/XX/XXXX ( Case # : XXXX ), but it includes additional evidence that Equifax refused to investigate and improperly labeled my disputes as frivolous. 

I received XXXX letters from Equifax dated XX/XX/XXXX and XX/XX/XXXX, regarding the following accounts : XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX Equifax claimed that I had already disputed these accounts at least twice in 90 days, and therefore refused to investigate them again. However, my original disputes clearly identified inaccuracies and requested verification, especially for : XXXX  XXXX XXXX : This account was closed in XX/XX/XXXX, yet Equifax continues reporting payment activity into XXXX and XXXX. 

XXXX XXXX XXXX : Equifax continues to report a balance of {$2300.00} without providing any verification or documentation. 


This refusal to reinvestigate, along with the frivolous designation, constitutes a violation of my rights under the FCRA. I respectfully request the CFPB require Equifax to : XXXX. Reopen and properly investigate these disputes. 


XXXX. Provide documentary proof for each account. 


XXXX. Remove any account that can not be verified. 


XXXX. Cease improper use of the term frivolous to avoid investigation. 



I am attaching the two letters from Equifax as supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
My name is not XXXX XXXX XXXX Ive never stated in Texas, North Carolina or XXXX XXXX XXXX XXXXXXXX of those items are not mines and Experian is not allowing me to dispute anything off my report Ive called and nobody at the bureaus responded please resolve 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 2025-04-01 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report, complaint ID 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 2025-04-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-01 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Collection capital one account still in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX have not sent in a reinsertion form to Equifax. I have been pleading with them to reopen this account because it not closed and they refuse to do it.

Company response to consumer: Closed with non-monetary relief