vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the executive order issued by President Trump to abolish the U.S. Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
Legal Basis for Immediate Deletion : 1. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law. 
Please provide me with a written response confirming the removal of these accounts within 30 days as required by law. Failure to comply will result in further 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-05-05 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CT

Complaint narrative:
I discovered that I have been charged {$87.00} per month for a card security or payment protection service on my CareCredit card issued by Synchrony Bank. I was not aware of enrolling in this program and did not authorize these charges. I contacted Synchrony Bank, and two representatives acknowledged the charge and stated I should not have been billed. They directed me to the third-party administrator of the service, who issued a partial refund of {$1000.00}.

I have requested full account statements to verify the length of time I was charged. While I wait for those records, I am filing this complaint because this appears to be an unauthorized charge that continued for several years. I have also mailed formal dispute letters to both Synchrony Bank and the insurance provider ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

I am requesting a full refund of all unauthorized charges beyond the {$1000.00} already returned and documentation of any proof that I knowingly consented to this service.

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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PA

Complaint narrative:
I never knew something was taken out in my name until I checked my XXXX  credit report and notice this debt for $ XXXX debt never showed on anything else but my XXXX  so that's why I haven't been file a dispute until now. I never received any emails before nor I ever received Mail stating I own this or this was taken out in my name I live @ the below address and have lived here the last XXXX plus years. when I looked into this the debt was apparently taken out in XXXX, I have file a dispute with XXXX  about this debt and that this was taken out in a different city and state where I have never ever lived. I have been fighting this the last couple of months and have requested this to be taken off my credit report. now I have been getting the run around even with XXXX  Fraud team that handles these issue, the first was my ID and Social security card needed to be in large. and now when I called again they need a new FTC report and not the one I did two months ago I need to file a new one.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-05 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XXXX of XX/XX/year>, I filled a complaint to CFPB stating how my chase bank account was closed and put under review/investigation for over XXXX and my funds of $ XXXX withheld. I got a reply from CFPB stating that chase bank still got my account under review but fail to mention it had exceeded XXXX and the investigation was over at the point of the company ( chase bank ) reply. I also received several letters saying the review was completed, I also received a call stating that the reviews was completed and my funds will be released to me soon, I have also been to the bank several times and spoke to the manager, he also confirmed the investigation was over and they were waiting on a department called " XXXX '' to release my funds to me, today makes it 150 days my account has been closed and my fund withheld, I keep calling the numbers they gave me and going back to the bank, no one seems to give me answers, all they keep saying is they waiting on the department XXXX to release my funds, today makes it a months now I have been waiting on XXXX to release my funds, I am confused and frustrated, chase is giving me a run around, I need my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to formally dispute the accuracy of an account currently listed on my credit report. I would like you to verify that all data related to this account is fully and accurately tied 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 non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXXXXXX XXXX XXXXXXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-05-05 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:
Here is the full text of your complaint as included in the PDF : -- - Subject : Ongoing Credit Dispute - Denied Portal Access and No Response from Experian, TransUnion, Equifax, XXXX, XXXX, and XXXX XXXX Details of the Complaint : I have been actively disputing inaccurate and possibly fraudulent items on my credit reports with Experian, TransUnion, and Equifax since XX/XX/year>. I also submitted disputes involving XXXX, XXXX, and XXXX XXXX, who are furnishing what I believe to be inaccurate or unverified information. 

Most recently, I submitted additional disputes during the weekend of XX/XX/XXXX or XXXX. However, I am now locked out of the Experian online portal and unable to view the results of my disputes. This is unacceptable and limits my legal right to review and respond to the outcomes. 

To date, I have not received clear verification or explanation of how the disputed information was verified. I am requesting that the credit bureaus provide a Method of Verification ( MOV ) and disclose the procedures used to reinvestigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

This lack of transparency and access is obstructing my ability to resolve this matter and is negatively affecting my financial standing. 

I am requesting the CFPB to intervene and ensure that : I am granted full access to my dispute results and credit reports. 

A full explanation of the reinvestigation and verification methods is provided. 

Any inaccurate, unverifiable, or incomplete information is permanently removed from my credit reports. 


Thank you for your assistance. 

XXXX XXXX XXXX [ Include your address, phone number, and email when submitting. ] -- - Would you like me to insert your contact information now so the PDF is complete for submission?

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 2025-05-05 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: GA

Complaint narrative:
I sent a letter stating on 1/9/2025 I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and I noticed a few accounts that I wanted a little more information on. I am not saying that the reporting is right or wrong. I am just saying that I am not % 100 sure if they are. I have also read up on the Fair Credit Reporting Act where it did say by law, I have right to challenge anything that I am not sure is accurate. Its items on my credit that I am not aware of or companies I never heard of reporting on my credit which lead to me writing this letter.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )?! I have heard that if you can't provide proof, these accounts must be deleted. I am writing to you because I want these accounts deleted If they are not % 100 correct or right. I would love if the company could please check on these allegations and get back with me! I saw on a credit site and board were a lawyer said you have 30 days to complete investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

And on XX/XX/XXXX I sent a letter I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter stating on 1/9/2025 I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and I noticed a few accounts that I wanted a little more information on. I am not saying that the reporting is right or wrong. I am just saying that I am not % 100 sure if they are. I have also read up on the Fair Credit Reporting Act where it did say by law, I have right to challenge anything that I am not sure is accurate. Its items on my credit that I am not aware of or companies I never heard of reporting on my credit which lead to me writing this letter.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )?! I have heard that if you can't provide proof, these accounts must be deleted. I am writing to you because I want these accounts deleted If they are not % 100 correct or right. I would love if the company could please check on these allegations and get back with me! I saw on a credit site and board were a lawyer said you have 30 days to complete investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

And on XX/XX/XXXX I sent a letter I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score

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 2025-05-05 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation