vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am an international student who was scammed into sending multiple XXXX payments through my Chase bank account under false pretenses. The person claimed the charges were fully refundable and tied to an apartment rental. I trusted the information and authorized the payments, only to realize shortly after that it was a scam. 

I contacted Chase immediately to dispute the charges and filed a report with the FTC ( Report # # XXXX and XXXX ). However, Chase denied my claim, stating that because I authorized the payments, they would not assist further. 

I understand XXXX transfers are treated like cash, but I believe Chase should make a good-faith effort to recover the funds or offer support, given the situation involved clear fraud and deception. 

I am requesting that the CFPB assist in reviewing my case, and encourage Chase to reconsider their decision or pursue a recall of the fraudulent payments. I am submitting all evidence, including communication from the scammer, XXXX confirmations, and my FTC report. 

Thank you for your support in this distressing matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 XXXXXXXX Please correct and update the late payments on my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CO

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 XXXXXXXX Please correct and update the late payments on my credit report. XXXX XXXX XXXX and XXXX 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 2025-07-28 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-07-28 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: NC

Complaint narrative:
Incorrect personal information are showing on my credit report. I hereby bring to your attention the importance of maintaining and up-to-date records within your esteemed organization. It is imperative that your company 's database reflects the correct information.

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 2025-07-28 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: MA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXXXXX XXXX XXXX Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 explanation
Consumer complaint received 2025-07-28 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: Credit Karma, LLC
State: GA

Complaint narrative:
I ordered my report from XXXX XXXX which is a company that does reporting for banking. I found that since XX/XX/year> EVERY MONTH Credit Karma is having XXXX check my report on their behalf! WHY? I dont use credit karma! I havent used them in almost 10 years. They have no business checking my banking information. And I DID NOT give credit karma or Transunion permission to check any third party reporting about me. I have reached out to both and have not gotten any confirmations they will stop or any reasoning regarding why they suddenly started monitoring my banking report. Its a violation of my privacy! I want Transunion and Credit Karma to STOP CHECKING MY XXXX XXXX REPORT NOW! Every number I have for Credit Karma doesnt work. Numbers online I havent gotten help from either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
During XXXX, I requested XXXXXXXX XXXX XXXX  card and XXXX XXXX XXXX  to look into these cards. During the year XXXX, I was dealing with a serious health issue which required me to have XXXX XXXX. On top of that, I suffered a loss of my closest friend and a relative. When I became able to understand my finances and XXXX XXXX, I realized that someone opened a XXXX XXXX  XXXX card in my name. 
I also noticed that there were charges in XXXX that I did not make on the XXXX  XXXX XXXX  cards.On several occassions, I spoke to both XXXX  card reps and they insured me that they would take these cards off of my credit report and close these cards out. At XXXX point, they were not on my report. Then months later, I noticed that they were put back on. They are still charging fees and penalties to these accounts to date.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
During XXXX, I requested XXXXXXXX XXXX XXXX  card and XXXX XXXX XXXX  to look into these cards. During the year XXXX, I was dealing with a serious health issue which required me to have XXXX XXXX. On top of that, I suffered a loss of my closest friend and a relative. When I became able to understand my finances and XXXX XXXX, I realized that someone opened a XXXX XXXX XXXX  card in my name. 
I also noticed that there were charges in XXXX that I did not make on the XXXX  XXXX XXXX  XXXXOn several occassions, I spoke to both XXXX  card reps and they insured me that they would take these cards off of my credit report and close these cards out. At XXXX point, they were not on my report. Then months later, I noticed that they were put back on. They are still charging fees and penalties to these accounts to date.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
During XXXX, I requested XXXXXXXX XXXX XXXX card XXXX XXXX XXXX XXXX  to look into these cards. During the year XXXX, I was dealing with a serious health issue which required me to have XXXX XXXX. On top of that, I suffered a loss of my closest friend and a relative. When I became able to understand my finances and credit score, I realized that someone opened a XXXX XXXX XXXX card in my name. 
I also noticed that there were charges in XXXX that I did not make on the XXXX  XXXX XXXX  XXXXOn several occassions, I spoke to both XXXX  card reps and they insured me that they would take these cards off of my credit report and close these cards out. At XXXX point, they were not on my report. Then months later, I noticed that they were put back on. They are still charging fees and penalties to these accounts to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that clearly violate the legal requirement for maximum possible accuracy under federal law. These errors are entirely unacceptable and are causing serious and ongoing damage to my financial reputation and overall well-being.

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 2025-07-28 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: NC

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 : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: MD

Complaint narrative:
b'TRANSUNION IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE STANDARDS. CERTIFIED MAIL RECEIPT XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Ascendium Education Group
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Ascendium Education Group regarding their handling of my federally-backed FFEL student loan during my Chapter XXXX bankruptcy and the XXXX forbearance period. 

During this time, I was led to believebased on widespread public communication and legal counselthat all federal student loans were paused from accruing interest as part of the CARES Act protections. However, I have now learned that my FFEL loan, held by Ascendium, continued to accrue interest throughout the forbearance period because it was commercially held and not automatically covered by the federal pause.

At no point did Ascendium clearly notify me : That my loan was ineligible for the automatic 0 % interest and payment suspension, That interest would continue to accrue during a global pandemic while I was under bankruptcy protection, Or that I had the option to consolidate into a Direct Loan to qualify for reliefinformation that would have drastically impacted my financial decisions.

Additionally, my bankruptcy attorney did not provide any clarification about this, and Ascendium did not reach out with proactive disclosure during my repayment plan. This has resulted in avoidable financial harm, confusion, and a sense of deception.

I am asking for the following : 1. A thorough review of Ascendiums actions and failure to notify borrowers under bankruptcy about ineligibility for XXXX relief ; 2. Consideration for a retroactive interest waiver or adjustment, as I was deprived of the same protections other federal borrowers received ; 3. Immediate transparency from Ascendium regarding how FFEL loan holders were notifiedor not notifiedabout their ineligibility for relief during the CARES Act pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Sent a message about unpaid taxes due to XXXX XXXX for XXXX XXXX on XXXX XXXX after receiving a bill from XXXX XXXX 's LAWYER, a bill totalling {$8.00} if paid by XXXX XXXX. 
They marked it 'resolved ' without actually solving the issues. 
I also called them, spoke to XXXX XXXX XXXX XXXXXXXX on XXXX XXXX. 
I received an email stating they paid {$6.00} to XXXX and {$13.00} to XXXX, the XXXX XXXX. 
I checked the XXXX XXXX I pay taxes to and discovered they HAVE NOT BEEN PAYING THEM AT ALL since XXXX  when the loan was made on XXXX XXXX. 
I called again on the XXXX and they made claims they had paid everything, but I already had called the tax offices and confirmed NO PAYMENTS HAD BEEN RECEIVED.

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 2025-07-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation