vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Loan Account Number : XXXX - XXXX XXXX. Inaccurate Credit Reporting : From XX/XX/XXXX to XX/XX/XXXX, XXXX reported late payments to the credit bureaus during periods when my loans were supposed to have been in approved deferment and/or forbearance. These reports have negatively impacted my credit score and financial standing, despite my compliance with all required documentation and timelines. 

2. Improper Denial of School Closure Discharge : I applied for a discharge of my student loans after my school closed due to financial aid fraud. Despite clear eligibility under federal guidelines, XXXX denied my request without adequate explanation. It has since come to light that XXXX had a pattern of arbitrarily denying such applications, as highlighted in the recent class action lawsuit XXXX XXXX XXXX, filed in XX/XX/XXXX. 

3. Conflict of Interest and Bad Faith Practices : XXXX  denial of my discharge request appears to have been motivated by financial self-interest, as discharging the loans would not have been in their favor. This aligns with allegations in the lawsuit that XXXX created a sham School Misconduct Discharge Application process, only to issue blanket denials without transparency or recourse. 

4. Federal Contract Revocation and Loan Discharge : Following the Department of Educations revocation of XXXX  federal loan servicing contract, my loans were consolidated and ultimately discharged by the Department. This action validates that my discharge request was legitimate and should have been honored from the outset. 

5. Violation of Consumer Protection Laws : XXXX  actions constitute deceptive and unfair practices under federal and state consumer protection laws. The CFPBs recent {$120.00} XXXX settlement with XXXX further underscores the companys long-standing pattern of misconduct. 

Additionally, I have already contacted XXXX to resolve this issue, but they merely stated they were required by law to report accurate information to the credit bureaus, without providing any of the requested proof of accuracy. I also filed disputes with all three credit bureaus, who responded that the reporting complied with FCRA, again without providing any of the requested proof. 

I respectfully request that your office investigate this matter and take appropriate enforcement action and continue to hold XXXX accountable.

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 2025-06-22 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: WA

Complaint narrative:
Loan Account Number : XXXX - XXXX 1. Inaccurate Credit Reporting : From XX/XX/XXXX to XX/XX/XXXX, XXXX reported late payments to the credit bureaus during periods when my loans were supposed to have been in approved deferment and/or forbearance. These reports have negatively impacted my credit score and financial standing, despite my compliance with all required documentation and timelines. 

2. Improper Denial of School Closure Discharge : I applied for a discharge of my student loans after my school closed due to financial aid fraud. Despite clear eligibility under federal guidelines, XXXX denied my request without adequate explanation. It has since come to light that XXXX had a pattern of arbitrarily denying such applications, as highlighted in the recent class action lawsuit XXXX XXXX XXXX, filed in XX/XX/XXXX. 

3. Conflict of Interest and Bad Faith Practices : XXXX  denial of my discharge request appears to have been motivated by financial self-interest, as discharging the loans would not have been in their favor. This aligns with allegations in the lawsuit that XXXX created a sham School Misconduct Discharge Application process, only to issue blanket denials without transparency or recourse. 

4. Federal Contract Revocation and Loan Discharge : Following the Department of Educations revocation of XXXX  federal loan servicing contract, my loans were consolidated and ultimately discharged by the Department. This action validates that my discharge request was legitimate and should have been honored from the outset. 

5. Violation of Consumer Protection Laws : XXXX  actions constitute deceptive and unfair practices under federal and state consumer protection laws. The CFPBs recent {$120.00} XXXX settlement with XXXX further underscores the companys long-standing pattern of misconduct. 

Additionally, I have already contacted XXXX to resolve this issue, but they merely stated they were required by law to report accurate information to the credit bureaus, without providing any of the requested proof of accuracy. I also filed disputes with all three credit bureaus, who responded that the reporting complied with FCRA, again without providing any of the requested proof. 

I respectfully request that your office investigate this matter and take appropriate enforcement action and continue to hold XXXX accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: WA

Complaint narrative:
Loan Account Number : XXXX - XXXX 1. Inaccurate Credit Reporting : From XX/XX/XXXX to XX/XX/XXXX, XXXX reported late payments to the credit bureaus during periods when my loans were supposed to have been in approved deferment and/or forbearance. These reports have negatively impacted my credit score and financial standing, despite my compliance with all required documentation and timelines. 

2. Improper Denial of School Closure Discharge : I applied for a discharge of my student loans after my school closed due to financial aid fraud. Despite clear eligibility under federal guidelines, XXXX denied my request without adequate explanation. It has since come to light that XXXX had a pattern of arbitrarily denying such applications, as highlighted in the recent class action lawsuit XXXXXXXX XXXX XXXXXXXX, filed in XX/XX/XXXX. 

3. Conflict of Interest and Bad Faith Practices : XXXX  denial of my discharge request appears to have been motivated by financial self-interest, as discharging the loans would not have been in their favor. This aligns with allegations in the lawsuit that XXXX created a sham School Misconduct Discharge Application process, only to issue blanket denials without transparency or recourse. 

4. Federal Contract Revocation and Loan Discharge : Following the Department of Educations revocation of XXXX  federal loan servicing contract, my loans were consolidated and ultimately discharged by the Department. This action validates that my discharge request was legitimate and should have been honored from the outset. 

5. Violation of Consumer Protection Laws : XXXX  actions constitute deceptive and unfair practices under federal and state consumer protection laws. The CFPBs recent {$120.00} XXXX settlement with XXXX further underscores the companys long-standing pattern of misconduct. 

Additionally, I have already contacted XXXX to resolve this issue, but they merely stated they were required by law to report accurate information to the credit bureaus, without providing any of the requested proof of accuracy. I also filed disputes with all three credit bureaus, who responded that the reporting complied with FCRA, again without providing any of the requested proof. 

I respectfully request that your office investigate this matter and take appropriate enforcement action and continue to hold XXXX accountable.

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 2025-06-22 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: NJ

Complaint narrative:
I am writing to formally file a complaint against Experian for failing to properly investigate and resolve several inaccurate and potentially negative accounts appearing on my credit report. Despite my attempts to dispute these entries, Experian has not conducted a reasonable investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a list of the disputed accounts : Accounts to Be Removed : XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank told me they are refusing to verify my identity because my current phone number does not match public records, even though it is the phone number I provided when I opened the account. They are prioritizing outdated third-party data over the information I submitted to them directly, and are refusing to use any of the personal data Ive provided ( SSN, DOB, deposit details ) to unlock the account. I believe this is an unfair and possibly illegal use of external data sources to deny me access to my own account and funds.

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 2025-06-22 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:
XXXX XXXX XXXX, XXXX, XXXX XX/XX/year>, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of FRAUDULENT ACCOUNTS TO BE REMOVED : Personal Information to Be Corrected or Removed : Incorrect Name : XXXX XXXX Incorrect Employer : XXXX XXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Date of Birth : XXXX ________________________________________ Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Fraudulent Collections to Be Removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Unauthorized Inquiries to Be Removed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are e the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nLexisNexis\n\nRequest for Removal of Unauthorized Credit Inquiries\n\nDear LexisNexis,\n\nI am writing to formally request the removal of certain inquiries from my consumer report.\nUpon reviewing my consumer file, I have identified several inquiries that do not have a\npermissible purpose as required under the Fair Credit Reporting Act (FCRA). I have not\ngranted permission for these entities to access my consumer report, and therefore these inquiries should be deleted immediately.\n\nPlease provide me with written documentation showing that I granted authorization for the following inquiries:\n\n 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nIf you are unable to provide proof of my authorization, I request that you remove these inquiries from my credit report immediately and provide written confirmation of the deletion.\n\nAs you know, the FCRA allows only authorized parties with a legitimate purpose to access my consumer report, and failure to comply with this requirement is a violation of federal law. I expect this matter to be addressed promptly, and I look forward to receiving confirmation of the removal of these inquiries.\n\nThank you for your immediate attention to this matter.\n\nSincerely,\n\nAshley Gardner'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by Capital One Auto Finance. As of XXXX, XX/XX/year>, I have not received the required Notice of Seizure or Notice of Intent to Sell/Disposition of Collateral , in violation of California Civil Code 2983.2. These notices must be provided within strict timeframes following a repossession and are a legal prerequisite for collecting any balance or deficiency. Capital One has failed to comply. 

I formally requested the name and license number of the repossession company, a full breakdown of charges, and copies of all post-repossession notices. Capital One has not responded. This denies me the opportunity to redeem the vehicle or dispute any amounts, and creates serious procedural due process issues. 

In addition, I initiated arbitration with Capital One through the XXXX XXXX XXXX XXXX XXXX ) under their own agreement. The XXXX issued a fee invoice to Capital One on XX/XX/year>, but Capital One failed to pay it within 30 days. Under California Code of Civil Procedure 1281.97, this constitutes a material breach of the arbitration agreement. As a result, I have the legal right to withdraw from arbitration and pursue relief in court, along with statutory sanctions, evidentiary penalties, and attorneys fees.

Capital One continues to pursue adverse actions ( repossession, derogatory credit reporting, and collections ) despite defaulting in arbitration and ignoring multiple statutory protections under California and federal law.

Lastly, XXXX  and XXXX  continue to report this account inaccurately showing inflated balances, conflicting payment histories, and missing key data in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). These inaccuracies harm my creditworthiness and restrict access to financing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Transactions Chase Bank Account Fraud To Whom It May Concern, On XX/XX/scrub> 2025, my bank account at Chase Bank was the target of a fraudulent scheme. Multiple unauthorized transactions were carried out, resulting in the theft of {$3700.00} through debit card withdrawals. In addition, a forged check in the amount of {$1000.00} was also processed against my account. 

I immediately contacted Chase Bank and submitted a formal dispute regarding these fraudulent activities. Following an internal investigation, Chase acknowledged that the check was indeed forged and refunded the {$1000.00} amount to my account.

However, concerning the {$3700.00} in unauthorized debit card withdrawals, Chase denied my claim, asserting that the transactions were made using my debit card. I have provided Chase with clear, documented proof that I was at my place of work in XXXX, Texas, on the date of these fraudulent transactions. Meanwhile, all of the unauthorized debit withdrawals occurred in XXXX, Texas over 120 miles from my location. 
These transactions were unauthorized and fraudulent. I did not use my debit card in XXXX on XX/XX/XXXX, nor did I authorize any such activity. Despite my repeated communications and submission of supporting evidence, Chase Bank has failed to resolve the issue or refund the stolen funds. 
Attached is a copy of the original complaint I submitted to Chase Bank, to which I have not received any satisfactory response. 

I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), seeking your urgent assistance in holding Chase Bank accountable and recovering the funds that were illegally withdrawn from my account. 

I greatly appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt - Account Opened XX/XX/XXXX - {$410.00} Balance To Whom it May Concern, This letter is a formal notice that I am disputing the validity of the alleged debt referenced on my credit report by your company, XXXX XXXX XXXX, with a reported balance of {$410.00}, listed as opened on XX/XX/XXXX. 

I do not recall ever receiving notice from your company in writing as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 US Code 1692g, which states that within five days of initial contact, the collector must provide written notice of the debt, including : 1. The amount of debt 2. The name of the original creditor 3. A statement of my right to dispute the debt within 30 days 4. A statement that if I dispute the debt in writing within 30 days, your office will provide verification of the debt 5. A statement that, upon written request, your office will provide the name and address of the original creditor I have never signed any agreement or contract with your company, nor have I received proper notification of validation of this debt. Under the FDCPA, I am requesting the following : - Validation of the alleged debt, including a copy of any signed agreement bearing my signature - Proof that XXXX XXXX XXXX has the legal right to collect this debt - The name and contact information of the original creditor Until this information is provided, I am requesting that you cease all collection efforts and remove this account from all credit reporting agencies immediately in accordance with 15 US Code 1692g ( b ), which states that collection activities must cease until the debt has been validated. 

If you are unable to provide the required validation, this account must be deleted from my credit reports with all major credit bureaus ( Experian, XXXX, and XXXX  ) under the Fair Credit Reporting Act ( FCRA ), 15 US Code 1681i. 

Please respond in writing within 30 days. I am keeping a record of all correspondence for documentation purposes. 

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 2025-06-23 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: PA

Complaint narrative:
Dispute Letter to XXXX Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX Subject : Immediate Action Required Violation of U.S. Law : Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ) and Fair Credit Reporting Act ( 15 U.S.C. 1681n ) After reviewing my credit report, I noticed serious billing errors that go against the Truth in Lending Act ( TILA ), specifically : Section 1666 ( b ) ( 4 ) : The creditor failed to properly reflect a payment I made or credit issued.

Section 1666 ( b ) ( 5 ) : There was a computation or accounting error in the billing statement.

Also, no proper billing statement was sent at least 21 days before reporting the late payment. This violates TILA and makes the reported late payment invalid and unenforceable.

Im asking for an immediate correction of the following : Provide verified proof from the creditors original accounting records ( not system notes ) showing : A payment was actually missed, and A proper billing statement was sent to me at least 21 days before the late payment was reported.

OR Update my credit report to show the account as Paid as Agreed.

If you dont fix this issue, I will take legal action. Under the law ( 15 U.S.C. 1681n ), I can sue for money damages, extra ( punitive ) damages, and attorneys fees. Provide verifiable proof from Santanders original accounting records not system notes showing that : A payment was truly missed, AND That a proper billing statement was provided to me at least 21 days before the report of delinquency If this is not corrected, I will be forced to pursue further action.

Under 15 U.S.C. 1681n, I may pursue legal damages, including monetary and punitive damages, as well as attorneys fees for willful or negligent violations 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