vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Complaint to CFPB Subject : Fraudulent Account Reporting XXXX XXXXXXXX XXXX XXXXXXXX / Experian Date : XX/XX/XXXXXXXX  To Whom It May Concern : I am submitting a formal complaint about a fraudulent account on my Experian credit report. 

Account Details : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed ( XX/XX/XXXXXXXX  ) Report Number : XXXX Complaint : I never applied for, signed, or received funds from this loan. Experian has reported 30- and 60-day delinquencies on this fraudulent account despite multiple disputes. I requested proof of the loan, including contracts, signatures, and deposit records, but Experian failed to provide any. My XXXX  report shows no delinquencies, confirming this account is bogus. 

I previously received a CFPB settlement check on XX/XX/XXXXXXXX  for Experians failure to properly investigate my disputes. Experian continues to engage in sham investigations, harming my credit profile. I live in California and have no business with XXXXXXXX XXXX XXXX XXXXXXXX in Texas. 

Request : Permanently remove this fraudulent account from my Experian report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX to provide proof of the alleged loan. 

Hold Experian accountable for repeated improper investigations. 


Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, California XXXX Phone : 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 2025-11-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXXXXXX  Balance {$4900.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2000.00} Account name XXXX XXXX XXXX XXXX 
Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} DEPT OF EDUCATIONXXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$3300.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1800.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$6900.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$3700.00} Account name DEPT OF EDUCATION/XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am seeking recovery of {$6000.00} associated with XXXX cashiers checks issued by JPMorgan Chase Bank on XX/XX/year>, from their XXXX, Michigan branch. The checks were deposited into my personal account at XXXX XXXX XXXX XXXX in XXXX, XXXX on XX/XX/year>, but were never cleared due to international sanctions. The Syrian bank confirmed the funds were never received. 

I opened a case with Chase ( XXXX. XXXX ) and provided copies of the checks. The case was closed without resolution, and I was told the checks could not be located. I contacted XXXX XXXX XXXX XXXX, but they requested internal account information I do not possess. The issuing branch declined to assist further. 

I have verified that the funds are not listed in the XXXX of XXXX  unclaimed property registry. I am requesting that JPMorgan Chase provide a full accounting of the disposition and current status of these funds and facilitate recovery or release.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Please validate this entry its tardy and could be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I worked on a project with a company called XXXX XXXX XXXX, which agreed to pay me {$8300.00} for services rendered. The check was issued to me on XX/XX/year>. It was deposited on XX/XX/year>. The bank informed me that it would take 7 days to clear. But the bank never released the funds. I contacted the bank for clarification. I was told the check was being held for suspicion of fraudulent activities. But I provided proof to the bank from the company I did business with and confirmation from the bank that is was cleared by Truist without a complaint from the company or the issuing bank, and Truist still refuses to release my 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 explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: AE

Complaint narrative:
I am unable to access my Synchrony Amazon Credit Card account online due to a system identity-verification issue that has not been resolved through standard customer service channels. 

When I attempt to log in, the system requires a one-time passcode for verification, but the only phone number it offers to send the code to ends in XXXX. That number does not belong to me and has never been associated with my account. When I try entering my correct phone number through the use a different number option, I receive an error stating that my identity can not be verified. 

I called Synchrony support multiple times at the number provided ( XXXX ). Representatives were only able to give me link via my phone- which didn't work. They also advised me to clear my browser history, which I did, but the issue persists. They also indicated they did not know why the incorrect phone number appears or how to correct it. I have tried desktop, phone, chrome and edge - issue persists. 

As a result, I am currently able to make purchases with my card, but I can not access or monitor my account online, view statements, review charges, or manage account information. This raises both a security concern and a financial management concern, especially given the presence of an unknown phone number tied to my login verification process. 

I am requesting assistance correcting my account information and restoring normal online access. I am willing to provide identity verification as needed through proper channels. Despite multiple attempts, the banks support team has not been able to fix the issue or escalate it.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
My credit score tanked XXXX points after an unknown medical debt was added to my credit but attempts to find out what this mystery {$940.00} bill is have been futile and my credit continues to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: MO

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-08 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: TX

Complaint narrative:
Would you be able to examine this entry? Its late and possibly wrong.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery, is reporting an alleged debt on my credit report that is inaccurate, inconsistent, and unverifiable. I never entered into any contract with this debt collector and the company has not provided proper validation of this debt as required under the FDCPA. The tradeline contains conflicting information, such as the date Date of Last Activity ( DOLA ) and other account information and therefore violates the FCRAs requirement that all furnished data be accurate and verifiable. Reporting also fails to meet Metro 2 compliance standards for consistency and integrity. Under FCRA 605B, unverifiable information must be removed from credit reports. However, Portfolio Recovery has continued furnishing this account on my report. This inaccurate reporting has damaged my credit standing and created undue hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC 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 XXXXXX/XX/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 2025-11-08 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: TX

Complaint narrative:
XXXX XXXX Account number : # XXXX. I am writing to formally address the ongoing issue regarding the inaccurate payment history reported on my account, which began in XXXX. These erroneous entries have adversely affected my credit history, and despite four prior disputes, the matter remains unresolved. These inaccuracies misrepresents my creditworthiness and constitutes a violation of my rights under fair credit reporting laws. Furthermore, I recently had a job offer rescinded due to the presence of this misinformation on my credit report, resulting in significant financial repercussions. It is unacceptable that, despite my repeated attempts to rectify the inaccuracy of this trade line, you have failed to conduct a thorough investigation. Your negligence in handling this account has infringed upon my rights. I hereby demand the immediate deletion of the account referenced. Do you realize you have been inaccurately reporting on this trade line for almost 7 years now? This account has been paid in full and I expect prompt action on this matter and a written confirmation of the deletion as well as an updated credit report. I have attached proof of my identity, proof of balance, proof of payment and a paid in full confirmation email. 
Proof of Payment for the following : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022-reported  as 60 days when there was a payment in XXXX ( not accurate ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I suggest resolving this now rather than settling this through arbitration. Thank you for your immediate attention to this urgent request.

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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Account Capital One I have XXXX accounts I'm unaware of this debt and did not have the opportunity to dispute this account. If you believed you sent proper notification please provide certified mail displaying my signature. If not please delete the captail one accounts off my credit. Because it is holding me back from getting housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not affiliated with these accounts ; take them off my record within 15 days in line with USC 1681g.

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 2025-11-08 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief