vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the following account listed on my credit report, as I have no knowledge of its origin or approval. 

Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$390.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. I do not recognize this account and do not have a contractual or financial relationship with XXXX XXXX regarding this matter. 

You are required by law to verify the accuracy and validity of this account by obtaining all supporting documentation from the data furnisher. This includes : A copy of the original signed application Any account statements showing usage Any proof of payment history If the creditor can not provide verifiable proof that this account belongs to me, you are required under the law to remove it from my report immediately. 

Please complete your reinvestigation within the required XXXX period and provide written confirmation of the outcome, including an updated credit report reflecting any necessary changes. 

Attached you will find : A copy of my valid photo ID XXXX of current address from a bank statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I submitted a formal debt validation request, which was delivered and signed for on XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation. 

To date, I C Systems has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I attempted to redeem the credit card rewards I earned through my U.S. Bank credit card. However, I discovered that a significant portion of my rewards is only accessible if I open a checking or savings account with U.S. Bank, or redeem them via XXXX. If I choose to redeem the rewards through other available options, such as a statement credit or gift card, I receive a noticeably reduced valuedespite having earned the rewards through legitimate spending activity. 

At no point during the card application process, or while using the card, was I informedeither verbally or in writingthat the full value of my rewards would be contingent upon opening another account with the bank or restricted to specific redemption channels. 

This appears to be a deceptive and coercive practice that pressures consumers to open additional banking products in order to access benefits theyve already earned. It raises concerns under unfair, deceptive, or abusive acts or practices ( UDAAP ) guidelines and resembles prior industry misconduct, such as the XXXX XXXX account scandal, where customers were manipulated into enrolling in products they did not request. 

I feel this practice is a form of reward-based bait-and-switch that penalizes customers for not expanding their relationship with the bank, and that it was not transparently disclosed in the original credit card terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
In the week of XXXX XXXX XXXX, I was notified that an unauthorized entity, the Department of Government Efficiency ( DOGE ), which is not part of the U.S. Department of Education nor any other official government agency responsible for managing student loan data, accessed my personal information without my consent. This access constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ), a federal law that protects the privacy of student education records. FERPA, codified at 20 U.S.C. 1232g, states that personally identifiable information contained in education records may not be disclosed without the prior written consent of the student, except under limited and specifically authorized exceptions. DOGE 's access was not authorized by me and does not fall under any permissible exception outlined in FERPA. Because of this breach of federal privacy law, I am asserting that my student loans are now legally unenforceable due to the compromised integrity of my educational and financial records. I am formally requesting that all of my student loans be forgiven, removed, and permanently deleted from my credit report. Additionally, I demand that DOGE 's access to my personal information be immediately revoked and that any future attempts by this agency or any related party to view or use my data be denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
In the week of XXXX XXXX XXXX, I was notified that an unauthorized entity, the Department of Government Efficiency ( DOGE ), which is not part of the U.S. Department of Education nor any other official government agency responsible for managing student loan data, accessed my personal information without my consent. This access constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ), a federal law that protects the privacy of student education records. FERPA, codified at 20 U.S.C. 1232g, states that personally identifiable information contained in education records may not be disclosed without the prior written consent of the student, except under limited and specifically authorized exceptions. DOGE 's access was not authorized by me and does not fall under any permissible exception outlined in FERPA. Because of this breach of federal privacy law, I am asserting that my student loans are now legally unenforceable due to the compromised integrity of my educational and financial records. I am formally requesting that all of my student loans be forgiven, removed, and permanently deleted from my credit report. Additionally, I demand that DOGE 's access to my personal information be immediately revoked and that any future attempts by this agency or any related party to view or use my data be denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
In the week of XXXX XXXX XXXX, I was notified that an unauthorized entity, the Department of Government Efficiency ( DOGE ), which is not part of the U.S. Department of Education nor any other official government agency responsible for managing student loan data, accessed my personal information without my consent. This access constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ), a federal law that protects the privacy of student education records. FERPA, codified at 20 U.S.C. 1232g, states that personally identifiable information contained in education records may not be disclosed without the prior written consent of the student, except under limited and specifically authorized exceptions. DOGE 's access was not authorized by me and does not fall under any permissible exception outlined in FERPA. Because of this breach of federal privacy law, I am asserting that my student loans are now legally unenforceable due to the compromised integrity of my educational and financial records. I am formally requesting that all of my student loans be forgiven, removed, and permanently deleted from my credit report. Additionally, I demand that DOGE 's access to my personal information be immediately revoked and that any future attempts by this agency or any related party to view or use my data be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
XXXX XXXX XXXX has been reapplying this account. I do not have any contract nor any knowledge of this company or account. With this company. This account has been deleted and should not be reposted. Without my consent I didn't not give this company to use my information. Code USC 9XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'My information was involved and affected by several data breaches. My information was involved in the following data breaches; Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OK

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( Experian & Equifax ) XXXX Collection Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XXXX Charge Off Date open : XX/XX/XXXX XXXX XXXX ( Experian, Transunion XXXX Equifax ) XXXX Charge Off Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, Transunion & Equifax XXXX XXXX Charge Off Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Experian, Transunion & Equifax XXXX XXXX Charge off Date Opened : XX/XX/XXXX XXXX ( Experian, Transunion ) XXXX Charge XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX ( Experian, Transunion ) XXXX Charge off Date XXXX : XX/XX/XXXX XXXX  XXXX ( Experian ) XXXX Charge off Date Opened : XX/XX/XXXX XXXX XXXX ( Equifax ) XXXX Charge off Date XXXX : XX/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 2025-06-20 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: CA

Complaint narrative:
I am contacting you regarding suspicious accounts listed on my credit file. These accounts were opened without my authorization, and I am not responsible for any activity associated with them. I believe my personal information may have been used without my knowledge. Under 15 U.S. Code 1681g, I request the immediate deletion of these accounts within 15 days. Ive enclosed supporting evidence with this 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello. I wanted to withdraw money from a Chase Bank ATM. I have a XXXX XXXX  I work full-time, which my work is credited to. When I made a transaction, the ATM did not give me the money. The XXXXXXXX XXXX was charged. Chase Bank also took the service fee. I have been asking for my money back for almost 10 days and they are not returning it. They are telling me some meaningless reasons and no one has helped me. They did not even meet the manager. They did not even check the record. They did not even check the ATM. It is about {$1000.00}. I do not know who to contact. I also have a check where it is written that the ATM did not give the money at that time. An acquaintance told me about you and now I am here, and I turned to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: LOBEL FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I would like to have 6 things on my credit report I don't recognize on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief