vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

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 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from The Bureaus for an alleged debt originally from XXXX XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Inconsistent " Date Opened '' ( FCRA 609 Violation ) The account has different " Date Opened '' values across bureaus ( XX/XX/XXXXXXXX  vs. XX/XX/XXXXXXXX  ). 
Credit reporting agencies must provide uniform, accurate data. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Last Active '' was updated from XX/XX/XXXXXXXX  to XX/XX/XXXX, falsely making the debt appear newer. 
Debt collectors can not manipulate reporting dates.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is marked as both a Charge-Off and a Collection, which is misleading.

The account can not legally be both, and this is a false representation of debt. 
Dispute Handling Issues ( FCRA 611 Violation ) The account has been disputed, but no proof of verification was provided.

Under FCRA 609 ( a ) ( 1 ), I am requesting the original documentation used to verify the debt.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract.

An itemized breakdown of the debt. 
Proof that XXXX XXXXXXXX has the legal right to collect this debt. 
If this can not be provided, this account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not know why these hard inquiries are still on my credit report. I have not been issued any credit from these inquiries. I have reported this problem multiple within the time frame to get these removed accordingly to the EQUAL CREDIT OPPORTUNITY ACT and there is still no change. None of these hard inquiries were removed after I reported them within the first week of being on my report. This is illegal and injustice.

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 2025-03-22 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: TX

Complaint narrative:
Im writing to formally dispute several accounts listed on my credit report that are completely unknown to me. These accounts do not belong to me, and I have no knowledge of them whatsoever. Ive never opened or authorized any transactions with the companies associated with these accounts, and I believe this is a case of mixed data or 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 2025-03-21 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX minutes ago ) to XXXX XXXX am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-21 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:
XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX minutes ago ) to XXXX XXXX am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Synovus Bank
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I will be pursuing legal action against first premier bank for your failure to validate the alleged debt associated with the above-referenced account and for refusing to remove the unauthorized credit inquiry from my credit report.

As you are aware, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute and request validation of any debt or credit inquiry reported on my credit profile. Despite my repeated requests,
you have failed to provide sufficient evidence that I opened or authorized this account, nor have you taken steps to remove the inaccurate inquiry.

Your actions ( or inactions ) constitute a violation of federal law, including but not limited to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to properly investigate and correct inaccurate information.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Failure to validate the debt upon request. 
If this matter is not resolved within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action in a court of law. Under the FCRA and FDCPA, I may be entitled to statutory damages, actual damages, attorneys fees, and court costs.

I strongly urge you to resolve this matter immediately by : 1Providing written validation of the debt, including proof that I authorized or opened the account.

2Removing the unauthorized credit inquiry from my credit report. 
Please send your response to the address listed above. Failure to respond or resolve this matter will leave me no choice but to proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: HI

Complaint narrative:
Unexplained closure of savings account by discover bank. 

I am filing this complaint because Discover Bank recently closed my savings account without prior notice or sufficient explanation. When I inquired about the reason for the closure, Discover representatives informed me that it was due to a business decision but refused to provide any specific details. 

This account closure has caused significant stress and inconvenience as the funds in the account represent years of diligent saving and hard work. I have repeatedly contacted discovers customer service to gain clarification but have only received vague and unhelpful responses.

I believe I have the right to know why my account was closed and to receive a transparent explanation, especially since the decision appears arbitray and was not communicated adequately beforehand.

Additionally, I was informed that a check containing the remaining balance would be mailed to me, but I have not received it and have been given a timeline that is 5-10 business days. They did not even have the courtesy to get a tracking number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-21 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:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting in a compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was denied speaking with a supervisor. Chase bank records all calls for quality and training purposes, I record all calls for quality purposes as well - while holding for a manager I was informed that Chase does not allow their calls to be recorded which contradicts what they say when they pick up the phone. I was informed that since the call was being recorded that I will not be allowed to speak with anyone at Chase bank since they have stolen over {$1000.00} of my money and have refused to give it back in under 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Subject : Formal Dispute of Inaccurate Credit Reporting & Request for Deletion of All Accounts I am writing to formally dispute the accuracy and legitimacy of the accounts listed on my Experian credit report. Given the recent action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to conduct proper investigations into consumer disputes, I have lost confidence in the integrity of your reporting and dispute process. I have disputed several fraudulent accounts as well as provided theft report and still nothing is being done Therefore, I am demanding the immediate removal of all accounts from my credit file. 
Experian has been found to have engaged in sham investigations when consumers disputed errors on their reports, as noted by CFPB XXXX XXXX XXXX. Since your company has been sued for failing to comply with federal law, I can not trust that any previous reporting or investigations have been handled fairly or in accordance with the Fair Credit Reporting Act ( FCRA ). I hereby request the deletion of all accounts associated with my profile, as Experian has demonstrated a pattern of failing to properly verify the accuracy of reported information. 
Per the FCRA, you are required to conduct a fair and thorough investigation into my dispute. If you can not verify the accuracy of the reported accounts with complete documentation, you must delete them immediately. Failure to comply with this request may result in legal action on my behalf, as well as a formal complaint filed with the CFPB, the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please provide me with written confirmation of the deletions within 30 days of receiving this letter. I expect Experian to follow the law and correct the severe inaccuracies on my credit report without further delay. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) and Mishandling of My Credit Information Dear CFPB Representative, I am filing this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which have caused me significant stress and financial harm. In addition, Equifax has failed to properly protect my personal information, as I have been involved in multiple data breaches, which further complicates my ability to secure my credit file.

Equifaxs Violations : 1. Failure to Remove Outdated Bankruptcy Information Under 15 U.S.C. 1681c ( a ) ( 1 ), bankruptcies must be removed from a consumers credit report after 10 years ( XXXX XXXX ) or 7 years ( XXXX XXXX  ) from the filing date. My bankruptcy has exceeded this timeframe, yet Equifax has failed to remove it. 
2. Blocking My Access to My Credit Report Per 15 U.S.C. 1681g, I have the right to obtain my credit report annually. However, Equifax has repeatedly locked me out of my account, preventing me from viewing my credit report or disputing inaccuracies.

3. Failure to Process My Dispute Properly Under 15 U.S.C. 1681i ( a ), credit reporting agencies must investigate and resolve disputes within 30 days. When I submitted a dispute by certified mail, Equifax responded by claiming my paperwork was illegible and requiring me to resend it. This appears to be a delay tactic rather than a legitimate issue, as I ensured my documents were clear and legible.

4. Failure to Protect My Data I have been a victim of multiple data breaches, including those affecting Equifax. Given these breaches, Equifaxs refusal to allow me access to my report raises serious concerns about whether my personal information has been further compromised or misused. Under 15 U.S.C. 1681c-1 ( a ) ( 1 ) ( A ), I have the right to place a fraud alert, yet I am being denied access to the very information I need to monitor my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Block, Inc.
State: GA

Complaint narrative:
I had money on my cash app and they closed my account for no reason no explanation nor did I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 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 605B of the Fair Credit Reporting Act.

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 2025-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: OR

Complaint narrative:
I am writing to formally dispute two unauthorized wire transfers from my personal bank account to my Discover account, and to report suspected fraudulent activity and a potential data breach. I demand immediate action to recover my lost funds and a thorough investigation into this matter. 

Details of Unauthorized Transactions : XX/XX/XXXX : {$1400.00} wire transfer to my Discover account. 
XX/XX/XXXX : {$1800.00} wire transfer to my Discover account. 
Total Loss : {$3200.00} Circumstances of the Dispute : Upon realizing that these funds were missing from my Discover account, I immediately contacted Discover Bank to report the issue. I was assured that a case was opened and an investigation would be conducted. However, Discover failed to provide me with a case or complaint number, despite my repeated requests. 

For over 15 days, I diligently followed up with Discover, seeking updates on the investigation. I received no progress reports or concrete information. Finally, Discover informed me that the case was closed, claiming it was a " scam, '' without providing any supporting evidence or detailed explanation. 

Allegations and Demands : I strongly suspect that Discover Bank has experienced a data breach, leading to the unauthorized transfer of my funds. Their lack of transparency, refusal to provide a case number, and abrupt closure of the investigation are highly suspicious.

I demand the following : Immediate Reversal and Refund : The immediate reversal of the unauthorized transactions and a full refund of {$3200.00} to my originating bank account.

Detailed Investigation : A thorough and transparent investigation into the suspected data breach and the disappearance of my funds.

Provision of Case Details : The immediate provision of the original case number and all documentation related to the closed investigation.

Security Audit : A comprehensive security audit of Discover Bank 's systems to identify and address any vulnerabilities that may have contributed to this incident.

Compensation : Compensation for the financial and emotional distress caused by Discover Bank 's negligence.

I am a student and this loss represents a significant financial hardship. I will not hesitate to escalate this matter to regulatory authorities and pursue all available legal avenues to recover my funds and hold Discover Bank accountable. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a material alteration to the original contract.

According to the terms outlined in my promissory note, my loan was issued and administered by the U.S. Department of Education. Recent federal action has eliminated or reassigned the Departments responsibilities, with the Small Business Administration ( SBA ) now serving as the managing entity.

This constitutes a substantial and unilateral alteration of the agreed-upon terms, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

Company response to consumer: Closed with explanation