vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: HI

Complaint narrative:
Ive tried logging into my account, but it says ACCOUNT DISABLED. Ive called their customer service line, but XXXX cant seem to get in contact with a representative to unlock my account. My next payment is due XX/XX/year>XXXX How can I resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, Equifax and Experian are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports/files that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: NM

Complaint narrative:
Trans Union, Equifax and Experian are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a credit line open with Kohls department store, XX/XX/2025 I paid off the Confirmation Number : XXXX Amount : {$690.00} Date to be Withdrawn : XX/XX/2025 Funding Account : XXXX In XXXX " Kohls/capital One '' began sending me bills for an amount of {$510.00} for a card ending in XXXX. I paid off and closed the kohls account in XXXX via credit consolidation, so myself and the consolidation company were tracking it. I never received the money back. 

This unauthorized credit line is now listing me as missed payment on my credit report and charging me interest. 

I asked kohls about the statement and they said they have nothing to do with capital one so they could not help me. When I asked for information from capital one he said they didn't receive the payment, but Kohls did 2 months before they took over, and he didn't even have my contact information that I had set up with Kohls, showing that Capital One took my credit information without the cardholders account information but is billing out. I asked for a copy of the conversation and a copy of the document acknowledging that I accepted the terms and payments for capital one. He said he could not send me the information I requested as he has no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint to formally dispute unauthorized hard inquiries that appear on my credit report. 
I previously contacted the credit bureau ( s ) regarding the inquiry from [ XXXX, Equifax and Experian ], which I did not authorize or initiate. Despite my dispute, the bureau responded that the inquiry was 'verified ' without providing any supporting documentation or proof of my consent. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know how and by whom these inquiries were verified. 
To date, no verification method or signed authorization has been provided. This raises serious concerns about the accuracy of the information being reported and the bureau 's dispute process. 
I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter further. 
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

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/year> my XXXX XXXX through Synchrony bank debited my account {$9700.00} for a refund check. I was made aware of this when I received my statement the beginning of XXXX.I never requested any type of refund. I immediately called XXXX fraud line and have got nowhere trying to get my money back. I have auto pay for the credit card so the money was debited from my bank account. I was told they sent a check for {$9700.00} to an address in Florida where I have never lived. After checking my credit report I learned that there were XXXX Florida addresses on my credit report. I never requested a refund but yet they charged my account for a check they sent to Florida. I have repeatedly called the Synchrony fraud line and have been told I have to file a police report which I have done. Synchrony has been putting me off for XXXX months and basically telling me it is my problem and I have to find what bank the check was cashed at so they can compare the signature with mine. I have no idea how I would find that 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 2025-04-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$84.00} XXXX XXXX * * * * Balance : {$430.00} XXXX XXXX * * * * Balance : {$430.00XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately. All accounts are attached to FTC report. I have attached supporting identifacation documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by the credit bureau on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place unauthorized accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. The credit bureaus has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) .The credit bureau is flagrantly disregarding consumer protection statutes. I did not receive any notice from unauthorized accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that the credit bureau remove these account 's from my credit report and cease all collection efforts immediately. All accounts are attached to FTC report. I have attached supporting identifacation documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I noticed several inconsistencies on my credit reports by XXXX XXXX XXXX ( original creditor ) XXXX XXXX. ON MY XXXX  REPORT its reporting in XXXX  of XXXX and XXXX that the data is unavailable and on my TRANSUNION it says no payment history available and on my XXXX  for XXXX and XXXX I have on time payment history. So the payment history this company is reporting is inconsistent and they are updating the balance as if it is current which is illegal. And this is incorrect balance reporting which violates 15 USC 1681s-2.

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 2025-04-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed several inconsistencies on my credit reports by XXXX XXXX XXXX ( original creditor ) XXXX XXXX. ON MY EXPERIAN REPORT its reporting in XXXX  of XXXX and XXXX that the data is unavailable and on my XXXX  it says no payment history available and on my XXXX  for XXXX and XXXX I have on time payment history. So the payment history this company is reporting is inconsistent and they are updating the balance as if it is current which is illegal. And this is incorrect balance reporting which violates 15 USC 1681s-2.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I opened a Wells Fargo account in XX/XX/year>, per email I was eligible for a XXXX XXXX bonus if I completed certain terms within XXXX  days. I completed the terms. When I called to ask why I hadn't received the bonus I was told that she didn't see anything in my account and would not be receiving bonus.

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 2025-04-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is inaccurately reporting XXXX ( XXXX ) instances of XXXX days late on a single account that, while not in good standing, was never charged off and never placed in collections. 

It is factually impossible and highly misleading to report a consumer as XXXX days late multiple times. A XXXX delinquency is a one-time milestone in the life of a delinquent accountnot a recurring event. The accurate credit reporting protocol is to reflect XXXX, XXXX, XXXX, XXXX, XXXX, and then XXXX XXXX late status. XXXX  reporting of this severe delinquency XXXX times misrepresents the actual status and duration of the delinquency, inflating the perceived severity of the account history. 

Despite not being in good standing, the account was never charged off or transferred to collections, which makes the continued reporting of 180 days late even more inaccurate and misleading. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

I have already disputed this directly with Experian, but the false data remains. At this point, due to the repeated, unverifiable, and harmful misreporting, I am demanding the immediate and permanent deletion of the entire account from my credit file. 

Also the company for this account have not sent me a 1099c and it is against the law to report income on credit reports

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian continues to report fifth third bank account has been disputed several times investigation has took more than 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am filing this complaint regarding XXXX American Express ( AMEX ) credit card accounts that have appeared on my credit report without my knowledge, consent, or any prior relationship with the company. The reported accounts are as follows : Account XXXX XXXX  Creditor : AMEX Last XXXX of Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$1200.00} Reporting Bureaus : XXXX XXXX XXXX Status : Charged off as bad debt, canceled by credit grantor Account XXXX XXXX Creditor : AMEX Last XXXX of Account XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$3700.00} Reporting Bureau : TransUnion Status : Charged off as bad debt, canceled by credit grantor I never opened these accounts, nor did I authorize anyone to do so on my behalf. I have never received any communication, billing statements, or account access information from American Express regarding these accounts. I only became aware of them when I reviewed my credit report recently. 

I contacted American Express for clarification, but they were unable to provide any validation or documentation confirming my involvement. These accounts may have been opened fraudulently or were reported in error, and their presence on my report is negatively affecting my credit score and financial wellbeing.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and may constitute false reporting. I am requesting an immediate investigation and full deletion of these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I requested validation of account XXXX from Midland credit management. They sent me a letter dated XX/XX/year>. They also provided a letter from XXXX XXXX XXXX XXXX XXXX which was addressed to me. The XXXX XXXX letter was dated XX/XX/year> and states that the account ending XXXX was sold. In Midland credit management letter they stated that they purchased the account XX/XX/year>. Their claim is inconsistent with the official documentation provided by XXXXXXXX XXXX and I am requesting the immediate removal of this erroneous account from my credit reports. Please see attached screen shot of the letter from XXXXXXXX XXXX  and Midland credit management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief