vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
ITEM CODE XXXX XXXX ( CLOSED ACCOUNT ) OPEN DATE XX/XX/XXXX BALANCE {$18000.00} LAST ACTIVITY XX/XX/XXXX [ ACCOUNT SHOWS AS CHARGED OFF WITH INACCURATE PAST DUE OF {$14000.00} " CONSUMER DISAGREES '' REMARK REMAINS AFTER RESOLUTION ] ACTION REQUESTED " DELETE FOR VIOLATING 15 USC 1681e ( b ) and 1681s-2 ITEM CODE XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BALANCE {$1500.00} LAST ACTIVITY XX/XX/XXXX [ PAST DUE OF {$82.00} IS INACCURATELY REPORTED AS CURRENT ; MARKED DEROGATORY WITH " DISPUTE RESOLVED - CONSUMER DISAGREES '' ] ACTION REQUESTED " DELETE UNDER 15 USC 1681e ( b ) and 1681s-2 '' ITEM CODE XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BALANCE {$490.00} LAST ACTIVITY XX/XX/XXXX XXXX 99 % UTILIZATION INDICATES OVEREXTENSION, WHICH INACCURATELY IMPACTS SCORE ] ACTION REQUESTED " UPDATE OR DELETE TO REFLECT MAXIMUM POSSIBLE ACCURACY UNDER 1681 e ( b )

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 2025-04-29 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: KEYCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I had XXXX charges on my credit card to a place that I do not go to, XXXX XXXX XXXX XXXX XXXX. XXXX charge for {$9.00}, XXXX for {$6.00}, and another for {$14.00} totalling {$31.00}. Even when I do use my card I do not use it multiple times like this. I informed my bank, KeyBank, that I did not authorize these charges and that I do not go to this place. They closed my card and sent me a new one and credited my {$31.00} back while they did their investigation. I just went to check the outcome and they closed my investigation saying resolved and that mail was on the way with more details, but I noticed that they took their {$31.00} back. Those purchases were not from me so I'm shocked that they concluded that it was. I think that the bartender at the place that I DID go to, took a picture of my card and used XXXX XXXX or something to buy drinks on me at the other bar when she got off work!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I was right out if high school and XXXX XXXX College needed more money to pay my semester. My Grandmom signed a loan for SallieMae I feel like she did not understand the interest rate and either did I this XXXX loan for XXXX semester is XXXX percent interest and its been collecting interest since 2019. I feel like my Grandmom fell for this interest rate scam and did not understand how much this loan would be now. I have no money to pay it and i cant afford this interest rate that has accrued .. the company put me in forbearance for 6 months but this interest just keeps adding. I dont think the college or salliemae should of allowed such a rate to go through for a woman and a child rhat did not understand what it was. I need help wirh this. The loan is more than double from its original amount. I have to eat and pay to live. I had to leave XXXX XXXX after that semester because if covid and i did not return. Now i have to pay rhis and i cant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to dispute an error in my credit report related to a XXXX XXXX ( Synchrony Bank ) account that is being inaccurately reported. 
The account was opened on XX/XX/XXXX, and consistently maintained through autopay without interruption. I recently discovered that the account was closed on XX/XX/XXXX. However, it is still reported on my XXXX  credit report as open/active, which is factually incorrect. 
Specifically : I was never notified of the account closure, nor provided final disclosure statements regarding outstanding balance or obligations. 
Post-closure, interest charges continued, violating the Truth in Lending Act ( TILA ) as no proper disclosure was provided. 
Customer service agents at XXXX XXXX even incorrectly stated the account was active until XX/XX/XXXX, showing internal confusion about the account 's status. 
I contacted the Collections Department, yet no adequate explanation or documentation has been provided. 
The inaccurate reporting is damaging to my creditworthiness and constitutes a violation under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-29 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: OH

Complaint narrative:
XX/XX/year> I Informed Experian I was Never Late on any payment with XXXX XXXX. I told Experian all information need to be Accurate on my consumer report according to the FCRA.

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 2025-04-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the removal of this account and any fraudulent inquiries from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
This is a follow-up to my previous CFPB complaint regarding Experians failure to properly investigate and verify inaccurate information on my credit report. Despite disputing the accounts and requesting verification, Experian continues to report inaccurate and unverifiable information in violation of FCRA 15 U.S.C. 1681i and 1681e ( b ). Attached are supporting documents, including my full complaint, identification, proof of address, Experians prior response, and credit report evidence showing the inaccuracies. I am requesting immediate deletion of the unverifiable accounts and written confirmation of corrections.

Attached are supporting documents, including identification and evidence, for verification and review.

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 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear CFPB, Is the credit card late fee capped at {$8.00}? XXXX ( Synchrony ) is charging {$27.00}. 

I often pay immediately when receiving a bill, however, XXXX 's website no longer allows access to the credit card portion from a XXXX XXXX. Their phone app works but not everyone has a phone. Also, If app notifications or XXXX are enabled, then they send a flood of junk. 

This makes it challenging for consumers to pay the bill. 

Any assistance in this matter would be greatly appreciated. 

Kind regards, 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 monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized and inaccurate hard inquiry listed on my credit report. I am requesting that immediate action be taken to investigate and remove this inquiry, as it is unjustified and negatively impacting my credit score and financial well-being. 

Equifax- XXXX XXXXXXXX XXXX XX/XX/year>2024 Experian- XXXX XXXX XXXXXX/XX/scrub>/2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXX  XX/XX/scrub>/2024 TransUnion XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

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 2025-04-29 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: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized and inaccurate hard inquiry listed on my credit report. I am requesting that immediate action be taken to investigate and remove this inquiry, as it is unjustified and negatively impacting my credit score and financial well-being. 

Equifax- XXXX XXXXXXXX XXXX XX/XX/year>2024 Experian- XXXX XXXX XXXXXX/XX/scrub>/2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXX  XX/XX/scrub>/2024 TransUnion XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

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 2025-04-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunion\nRE: Requesting you Block and Remove Fraud from My Consumer Report\n>I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report  which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c (a), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must\npromptly address such requests within four business days of receiving a complaint that includes the following information:  XXXX XXXX XXXX XXXX0 openedXXXX XXXX XXXX XXXX XXXX XXXXopened XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX opened 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  .I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of $1,000 as specified in\n>15 U.S.C 1692k.\n> Defamation of Character\n>Negligent Enhancement of Identity Fraud\n>Violation of the Fair Credit Reporting Act\n>Violation under 15 U.S. Code § 1681o - Civil liability for negligent non compliance\n>Violation under 15 US Code 1681n (b) - Civil liability for willful non-compliance\n>Failing to comply with 15 USC 1692(g)\n>Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports\n>Under 15 U.S.C. 1681i (7) Method of verification\n>Violations under 15 USC 1681 a (4) right to privacy\n>Violations under 15 U.S. Code § 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated .  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 2025-04-29 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I asked for proof of this being my account. I was contacted by the collection company who purchased the account and they provided no proof of any identification that this was ever my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-04-29 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief