vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: VA

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: EdFinancial Services
State: FL

Complaint narrative:
I am writing to formally dispute specific items listed on my credit report dated XX/XX/XXXX, under confirmation number XXXX. Upon review, I have identified multiple inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. * * ED Financial/ESA * * : I have several accounts reported with balances ranging from {$1400.00} to {$6600.00}. I believe these accounts are obsolete or inaccurately reported. I demand the deletion of these items unless you can provide verifiable evidence of their accuracy. 

XXXX. * * Bankruptcy Filing * * : My bankruptcy was XXXX on XX/XX/XXXX, and if this is inaccurately reported, it must be removed in compliance with the FCRA 's stipulation regarding the reporting period for bankruptcies. 

I request that you conduct a formal investigation into these matters and provide me with the results in writing. If you are unable to substantiate the accuracy of these items, you must remove them from my credit report permanently. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company 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 2025-07-31 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-31 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: TX

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX  at XXXX XXXX in XXXX, GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: 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\nEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I found out that my Bank of America checking account was placed under review and access was restricted. I was not given any prior warning, email, or phone call I simply lost access to my account. When I went to the branch, I was told the account was in review, and that funds could go in but could not come out. 

I have contacted multiple departments including fraud and account closures and no one can tell me who is handling my case. Ive been bounced back and forth with no resolution. I was told I would be contacted with updates, but no one has followed up with me. As of today ( XX/XX/year> ), my money is still frozen and I am unable to pay urgent bills. 

This has caused extreme stress, especially as I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I rely on these funds for living expenses and medical care. I am requesting immediate access to my funds or a clear explanation with a timeline for resolution. I also want to know who is reviewing my account and why no communication has been provided.

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 monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/year>, during a phone call with a representative of Chase Bank regarding an outstanding debt, I was falsely informed that legal action had already been taken against me and that my account had been sent to a law firm for further legal proceedings. This statement appeared to be a deliberate attempt to intimidate or threaten me into payment by misrepresenting the actual status of the account. 

Following that conversation, I sent a formal written letter on XX/XX/year>, requesting : Written confirmation of the current status of the debt, The name and contact information of the law firm allegedly handling the matter, and Clarification regarding any legal action that had supposedly been taken. 

As of today, I have not received any response to that letter, nor has the requested information been provided. The lack of response, combined with the earlier misrepresentation, raises serious concerns regarding the accuracy, transparency, and legality of Chase Banks debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : XXXX XXXX XXXX { no account number list on your consumer report .You state this account is flagged but it has no account number, no original creditor or account # I do not know of this account so I filed a fraud case against it enclosed you have $ days to remove any reference of this alleged account. How can you report an account like this. 4 days to remove it by law Respond through CFPB

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 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$3000.00}

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 2025-07-31 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-31 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Acct # XXXX, XXXX, XXXX Former address XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Previous acct. # XXXX Synchrony Bank, Synchrony Bank failed to process a credit card chargeback in a timely and responsible manner. In XX/XX/XXXX, my wife and I used a Synchrony Bank-issued credit card to pay {$18000.00} to XXXX XXXX  XXXX XXXX XXXX company based in XXXX, for a XXXX  XXXX. XX/XX/XXXX, XXXX canceled the XXXX, citing their failure to acquire a ship and they would refund all payments. 
We initiated a chargeback with Synchrony Bank soon after the cancellation. On XX/XX/XXXX, XXXX XXXX XXXX officially communicated that they would not contest the chargeback. Despite this, Synchrony Bank has refused to release the funds and continues to delay the resolution of our case, offering inadequate explanations and deflecting responsibility. 
In XX/XX/XXXX, Synchrony Bank communicated that it would issue the credit. After months of waiting for the credit, we were told over the phone that someone dropped the ball and they must reopen the dispute again. 
On XX/XX/XXXX, Synchony Bank communicated that it would be issuing the {$18000.00} credit. It was posted on the XXXX XXXX. 
XX/XX/XXXX, Synchrony Bank communicated that they found a duplicate credit and removed the credit and charged us {$18000.00}. We requested proof of the duplicate credit and a copy of all the communications from Synchrony because many of the email attachments can no longer be opened. The proof of the duplicate credit refund has not been supplied. There are no duplicate {$18000.00} credits on our statements. We have attached copies of our statements for the XXXX months during which we were told the duplicate credit was issued. We were told to reopen the dispute for the fifth time. 
This situation has dragged on for nearly XXXX years with no satisfactory resolution. We consider Synchrony Banks conduct to be unfair, deceptive, and abusive under the standards of the Dodd-Frank Act. Their inaction and lack of cooperation have caused us emotional distress, financial hardship, and loss of investment income due to the unavailability of our {$18000.00}. 
Attached are the supporting documents that have all been previously submitted to Synchrony Bank indicating our dispute and a timeline of the dispute process.

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 monetary relief
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-31 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called on XX/XX/XXXX to speak with a representative in the customer support line. It was stated that there was never an application on file. she asked for the Social Security number and date of birth. She spoke with the fraud team, and I was informed that there are no records of an account opened. experian will not remove it from my credit report. I am requesting an investigation and that this information be removed from all credit bureaus immediately. I have texted some information below. 
Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX NEW YORK, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I called on XX/XX/XXXX to speak with a representative in the customer support line. It was stated that there was never an application on file. she asked for the Social Security number and date of birth. She spoke with the fraud team, and I was informed that there are no records of an account opened. experian will not remove it from my credit report. I am requesting an investigation and that this information be removed from all credit bureaus immediately. I have texted some information below. 
Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX NEW YORK, XXXX Phone number ( 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