vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: DE

Complaint narrative:
LOANS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT REPORT ACCORDING TO CONSUMER LAWS.PLEASE REMOVE FROM REPORT.

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 2025-03-16 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
These cards stated charge. They wrote the debt off in their taxes for full tax credit. I should have received a 1099C tax form for each account and off course that did not happen. On my credit report you are stating I have balances. I am Going to charge you for statutory damages. I can not have a charge off with balances and be 30/60/90 days late. This is not verified. I will also report you to the IRS as well. The accounts were XXXX XXXX XXXX XXXX XXXX and 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 2025-03-16 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting correctly. Theres a late payment shows on this account name XXXX. Account number : XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments I am requesting you to investigate this account and delete the late payment 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 2025-03-16 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 recently reviewed my credit report and noticed an account that was not reporting correctly. Theres a late payment shows on this account name XXXX. Account number : XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments I am requesting you to investigate this account and delete the late payment immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My ex husband and I got a divorce. As part of the decree, the Chase credit card had to be closed. He was continuing to charge on it, which is fraud, and I contacted the company to immediately close the card and prevent any new charges. They said they did. Then my ex told me that he got a notification that a charge had hit. When he called they told him that they closed the old account, opened a new one and transferred all the reoccurring charges to the new card. I was messaging him at the same time and he was clear with the company that they had to close the account for any future charging. They were trying to convince him to keep it open even though they new about the divorce and my previous call demanding the account be closed. It seems like fraud that they opened a new count with both our names without my authorization and after I specifically told them about the divorce decree and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-17 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: FL

Complaint narrative:
I have been communicating XXXX regarding my loan prior to XX/XX/XXXX XXXX XXXX, XXXX. A representative disclosed to me today that my loan account was charged off on XX/XX/XXXX due to 3 months of non payment. The representative XXXX told me that my loan has been charged off since XX/XX/XXXX because 3 months starting XXXX XXXX XX/XX/XXXX they received no payments from my employer which is inaccurate. The reporting of this account is inaccurate and violates my consumer rights to fair accurate reporting under FCRA LAW. It also goes against the Fair Credit Billing Act I have made payments consistently through financial allotments from my employer and I have questioned XXXX several times regarding the accuracy of my account balance and reporting of my account. I have tried to resolve this issue with XXXX diplomatically and yesterday XX/XX/XXXX a representative from your office has brought it to my attention that funds of over {$2700.00} were in the bank and I needed to contact XXXX to release the funds to XXXX. He texted me the number to call XXXX and they wired over the sum of {$2700.00} to XXXX XX/XX/XXXX. I was never told that my account was charged off or late during this time as well. I was told that my account was current and they did not report me as late to the credit bureaus. I was never notified in writing or via email or even verbally that my account was delinquent and now my I am being told that it has been over a year and my account was charged off in XXXX but never reported as such. Not only has XXXX been stealing my money they received a transfer from the bank yesterday XX/XX/XXXX is the sum of {$2.00}, XXXX that the bank has been collecting for the allotments. This is not being reported to me or the credit bureaus as well. I was told that my account is eligible for a refinance of {$10000.00} after XXXX more payment is made yesterday when I spoke to a representative. There is clearly a communication issue with XXXX as well as unlawful conduct fraudulent practices and billing misconduct by XXXX and the staff in their office. The account has been reporting as current even after the alleged charge off date of XX/XX/XXXX. I have attached the reporting scale below.

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 2025-03-17 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: FL

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : XXXX XXXX : XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 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 non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my dissatisfaction with the of my recent complaint ( Case ID : XXXX concerning inaccuracies in my Equifax credit report. Despite providing comprehensive documentation, including an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and evidence of a data breach compromising my personal information, the issues remain unresolved. 

Background : Complaint Submission : On XX/XX/year>, I submitted a complaint through the CFPB Complaint Portal, highlighting unauthorized accounts and inquiries on my Equifax credit report, which I believe are the result of identity theft. 
Equifax 's Response : Equifax indicated that certain items were deleted, while others were verified as belonging to me. However, they did not provide specific details regarding the verification process or the evidence used to substantiate the legitimacy of these accounts. 
Outstanding Issues : Lack of Transparency : Equifax 's response lacks clarity on the methods and evidence used to verify the disputed accounts and inquiries. 
Unresolved Inaccuracies : Unauthorized accounts and inquiries remain on my credit report, adversely affecting my creditworthiness. 
Requested Actions : Accounts listed below XXXX XXXX XXXX Amount : {$21000.00} Status : Incorrectly stated as Paid but still negatively impacting my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I CFPB Assistance : I request the CFPB 's assistance in facilitating a thorough reinvestigation by Equifax, considering the identity theft documentation previously provided. 
Oversight : Please ensure that Equifax adheres to the Fair Credit Reporting Act ( FCRA ) guidelines during the reinvestigation process. 
Resolution : Assist in ensuring that all unauthorized accounts and inquiries resulting from identity theft are promptly removed from my credit file. 
Confirmation : Provide written confirmation once the necessary corrections have been made. 
I trust that the CFPB will take appropriate action to ensure the accuracy of my credit information and address these concerns promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NH

Complaint narrative:
Dear Experian, TransUnion and Equifax. I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of Identity theft and the following entries on my credit report are fraudulent. Account name and XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I discovered Experian was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with Experian, they continue to report erroneously, and the information remains inaccurate, which detrimentally, and adversely affects my creditworthiness.

I am writing to formally dispute the inaccurate reporting of my federal student loans on my credit report. According to my most recent credit report, Experian has incorrectly reported my student loans from the U.S. Department of Education as being discharged under XXXX  XXXX bankruptcy. This information is incorrect. 
The fact is that my federal student loans were discharged through the U.S. Department of Educations XXXX XXXX XXXX XXXX XXXX XXXX ) discharge process. As a result of this discharge, my obligation to repay my Federal Student Aid loans has been fully canceled, independent of any bankruptcy proceedings.

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 2025-03-17 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
OneMain Financial and their attorneys, XXXX, XXXX & XXXXXXXX XXXX unlawfully over-garnished wages from both me and my co-signer, XXXX XXXX. The original judgment amount was {$9300.00}, yet they deducted a total of {$15000.00} from our wages, resulting in an overpayment of {$6200.00}. 

Double Garnishment Issue : Both my wages and my co-signers wages were garnished simultaneously, leading to double payment beyond the judgment amount. 
Under Illinois wage garnishment laws ( 735 ILCS 5/12-808 & 5/12-818 ), creditors are only allowed to collect what is legally owed, and collecting excess funds constitutes unjust enrichment and unlawful debt collection practices. 
Failure to Reduce Garnishment Due to Hardship : In XX/XX/year>2025, I requested a reduction in my garnishment amount due to severe financial hardship. Despite my request, they ignored it and continued garnishing wages at the full rate. 
XXXX XXXX was hospitalized multiple times, and despite these circumstances, his wages were still garnishedleaving him with {$40.00} paychecks at times. 
Emotional & Financial Hardship : During this time, my ex-husband passed away from XXXX  which severely impacted my family, especially my child. We were XXXX XXXX and unable to attend court hearings. 
This excessive garnishment forced us to fall behind on mortgage payments, utilities, and XXXX XXXX causing severe financial strain. 
Additionally, Iam on intermittent XXXX leave caring for my father, who was diagnosed with life-threatening XXXX, and the financial XXXX has made it difficult to care for my family. 
Unlawful Continued Garnishments & Refund Request : Despite already overpaying the amount owed, OneMain Financial has not stopped garnishments and has not refunded the excess amount. 
I formally requested a full refund and breakdown of all payments via email, but they have failed to respond. 
Requested Relief : Immediate refund of {$6200.00} ( or whatever the confirmed overpayment amount is after full accounting ). 
Hardship compensation of {$100000.00} for financial damages, emotional distress, and punitive damages due to their unlawful actions. 
Correction of our credit reports to reflect accurate payment and removal of any negative marks caused by the wrongful garnishments. 
Formal investigation into OneMain Financials debt collection practices for violating the Fair Debt Collection Practices Act ( FDCPA ) and Illinois state laws. 
This situation has placed an unbearable financial and emotional burden on my family, and immediate intervention is required. If this is not resolved, I will escalate my complaint to the Illinois Attorney General, Federal Trade Commission ( FTC ), and pursue legal action in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 non-monetary relief
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act Conversion 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 XXXXXXXX By the provision of the Fair Credit Reporting Act of 1970 15 U.S.C 1681 et seq. I demand that these items be reinvestigated and DELETED from my credit record.Please send me the names and addresses of the companies that you contact so l may follow up. Under the terms of the section 1681i of the Act, you have 30 days from the receipt of the letter to verify the dispute information. in the even you fail to verify the data, or fail to respond altogether, the dispute data must be deleted entirely. 
Also, pursuant to 15 U.S.C. Section 1681d ot the Act, please notify me when it has been deleted. You may send me an updated copy of my credit report to. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Accordance to the provision 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation