vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to dispute a XXXX XXXX account being reported on my credit file that I do not recognize, do not owe, or believe is being reported inaccurately. DeptedXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The furnisher of this student loan account has failed to meet their obligations under this law by continuing to report the account without proper verification or accurate details.

Additionally, if this account has entered default or collections, the servicer or collector may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, for failing to provide me with proper notice and debt validation.

Specific violations include : No proof of a signed promissory note or original loan agreement No detailed payment history or balance breakdown No record that this debt is legally enforceable or within the statute of limitations Potential identity theft or misattribution if this loan is not mine I am requesting that the CFPB investigate this account and require the data furnisher and any related parties to either provide complete validation and legal proof of this debt or remove it entirely from all consumer reporting agencies ( Equifax, XXXX  and XXXX ).

If this XXXX XXXX can not be validated in full accordance with the FCRA and FDCPA, it must be permanently deleted from my credit file. There are incorrect latepayments that are hurting my score tremendously.

Thank you for your assistance in resolving this matter promptly and protecting my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to dispute a XXXX XXXX account being reported on my credit file that I do not recognize, do not owe, or believe is being reported inaccurately. DeptedXXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The furnisher of this student loan account has failed to meet their obligations under this law by continuing to report the account without proper verification or accurate details.

Additionally, if this account has entered default or collections, the servicer or collector may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, for failing to provide me with proper notice and debt validation.

Specific violations include : No proof of a signed promissory note or original loan agreement No detailed payment history or balance breakdown No record that this debt is legally enforceable or within the statute of limitations Potential identity theft or misattribution if this loan is not mine I am requesting that the CFPB investigate this account and require the data furnisher and any related parties to either provide complete validation and legal proof of this debt or remove it entirely from all consumer reporting agencies ( XXXX TransUnion, and XXXX  ).

If this student loan can not be validated in full accordance with the FCRA and FDCPA, it must be permanently deleted from my credit file. There are incorrect latepayments that are hurting my score tremendously.

Thank you for your assistance in resolving this matter promptly and protecting my rights under federal consumer protection laws.

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 2025-05-13 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to dispute a XXXX XXXX  account being reported on my credit file that I do not recognize, do not owe, or believe is being reported inaccurately. DeptedXXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The furnisher of this student loan account has failed to meet their obligations under this law by continuing to report the account without proper verification or accurate details.

Additionally, if this account has entered default or collections, the servicer or collector may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, for failing to provide me with proper notice and debt validation.

Specific violations include : No proof of a signed promissory note or original loan agreement No detailed payment history or balance breakdown No record that this debt is legally enforceable or within the statute of limitations Potential identity theft or misattribution if this loan is not mine I am requesting that the CFPB investigate this account and require the data furnisher and any related parties to either provide complete validation and legal proof of this debt or remove it entirely from all consumer reporting agencies ( XXXX XXXX and Experian ).

If this student loan can not be validated in full accordance with the FCRA and FDCPA, it must be permanently deleted from my credit file. There are incorrect latepayments that are hurting my score tremendously.

Thank you for your assistance in resolving this matter promptly and protecting my rights under federal consumer protection laws.

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 2025-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
This company had taken my money with two different accounts. Each account promising me to repair my credit. I did not see any type of improvement. They stated they sent out letters to consumers and I did not get any response. The first time I signed up I was promised that more than half of my accounts would be taken off. When I didnt see anything results of this I cancelled. Then I received a email saying that the service was improved and it was helping more people than ever. This too was a scam. I want my money back from both contracts I had with them. My score did not increase at all neither time it decreased. I am a 100 % disabled veteran on a fixed income total and permanent. I do not have any money just to give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
inaccurate information reported, all 3 credit agency have different information, please delete from credit report if unverifiable according to my consumer right s

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 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified.

2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
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 explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Before anything else, Im asking that you fully certify that every single piece of data tied to this account actually belongs to me not just the name, but the address, the activity, the payment history, everything. I want confirmation that this information is accurate and that it's being rightfully reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: 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 explanation
Consumer complaint received 2025-05-13 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 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
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied to Chase Bank to refinance my mortgage for the purpose of consolidating debt. I was conditionally approved on XX/XX/XXXX, based on my income and credit score. I was told that I qualified for a cash-out refinance without a need to " pay down '' my debt, even though that was my intent. I paid a {$500.00} good faith fee and provided documentation for my income. 

I am a self-employed single mother and have a good credit score ( XXXX ). I provided documentation to support my income, including two years of personal and business tax returns. The documentation I provided matched the information that was provided prior to the conditional approval. 

About three weeks into the process, the underwriter requested a copy of my divorce decree from XXXX. I provided a copy. The underwriter then requested a copy of the child support order and property division. On XX/XX/XXXX, I sent an email to my mortgage advisor, stating " The underwriter is now asking for a child support order and property division from 15 years ago. I provided a divorce decree but it gave me pause. This feels discriminatory. I wonder how many men need to provide the same documentation. My youngest son turns XXXX in XXXX months and I am not asking for any child support to be included in my income calculation. I purchased my current home after my divorce so there should be no need to see a property division from XXXX. I need some explanation of why these things are necessary. '' The mortgage advisor replied that he would forward my concerns to the underwriter and upper management and would follow up with me. 

I never heard from the mortgage advisor again, despite a follow-up email. I then received a denial of my application, dated XX/XX/XXXX. The denial indicated that I had " excessive obligations in relation to eligible income. '' I am concerned that I suffered discrimination. I was denied shortly after I questioned a discriminatory intent based on my marital status and gender. The denial listed items that were known to the underwriter when my application was conditionally approved. And the purpose of my refinance was to pay down debt, which would have resolved the " excessive obligations '' notated on the denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} XX/XX/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 XXXXXX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent four written disputeseach spaced 35 days apart since XX/XX/XXXX, XXXXregarding an inaccurate item on my credit report. Specifically, a duplicate account is appearing with conflicting balances. I requested that the credit bureaus ( Experian, Equifax, and Transition ) conduct a thorough investigation into this matter. However, I have not received any response or update by mail or email in accordance with the Fair Credit Reporting Act. At this point, I am requesting immediate confirmation that my disputes have been received and properly investigated, and I expect prompt resolution of this erroneous reporting Accounts ( 2 ) XXXX  XXXX Account number with Transition and Experian : XXXX Account number with Equifax : XXXX XXXX  Account # XXXX is reporting a balance of {$3200.00} with TransUnion and Equifax , and {$3100.00} with Experian. 
Account # XXXX is reporting a balance of {$2800.00} with TransUnion and Equifax, and {$2700.00} with Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I sent a Certified Mail Letter to Synchrony Bank XXXX XXXX that I had been a victim of identity theft and requested that they remove all fraudulent charges from my account and close the account. I provided them with the account number ending in XXXX for {$3100.00}. They sent me a letter agreeing to permanently block the account from appearing on any credit bureaus and also stated that they would not hold me responsible for the unauthorized charges that were committed on this account. 

However, it has come to by attention that they decided to open up a different account under my name ending in XXXX now saying that I owe {$4300.00}, and it is dramatically affecting me getting approved with them for future credit ( which it has recently ). 

I am the victim of identity theft and submitted an FTC Identity Theft Report to Synchrony Bank regarding a fraudulent Lowes retail account opened in my name. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, I provided all required documentation to Synchrony Bank to initiate a block of this fraudulent account and terminate all collection activity. While they did stop reporting the account to credit bureaus, they continue to send me letters attempting to collect on the account. 

Furthermore, I was recently denied credit by Synchrony Bank on a separate application, which I believe may have been influenced by their continued association of my identity with this fraudulent accountanother violation of FCRA 605B ( f ). I am requesting the CFPB to investigate Synchrony Bank 's failure to comply with its legal obligations under the FCRA and ensure they : -Permanently discharge the fraudulent debt -Cease all collection attempts -Confirm they will not use this fraudulent information against me in any future credit decision I am attaching my FTC Identity Theft Report and documentation submitted to Synchrony Bank as proof .

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid off a XXXX  XXXX XXXX credit card that had been charged off. The payment was made in full in XX/XX/year>, and there is no balance remaining. Despite this, XXXX  XXXX XXXX continues to report the account as : Paid, Closed. {$1300.00} written off This remark implies that the debt was never resolved or fully paid, which is inaccurate and misleading. It is unfairly impacting my credit score and misrepresenting my financial responsibility to potential lenders. 

I respectfully request that XXXX  XXXX XXXX delete the account tradeline entirely from my credit report with Equifax, Experian, and TransUnion, as the debt has been fully satisfied. If removal is not possible, I request that the reporting be updated to reflect Paid in full without any reference to a charge-off or write-off.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
on XX/XX/XXXX I was out for my birthday with a group of friends, my phone came up missing. I requested a replacement through my phone carrier which I received on XX/XX/XXXX. I reactivated my phone and went to login into my account and saw the XXXX transactions of {$1500.00} on the XXXX and XX/XX/XXXX for {$1300.00}. I called Navy Federal to dispute the charges and let them know that I did not authorize this and was not able to due to not having my phone. With the Agent over the phone we reset my account username and password. On XX/XX/XXXX I received a notice from Navy Federal credit union via email updating me that my claim had been denied. I called and ask to speak to with Fraud department. I was told by a representative it was denied by the investigator stating I was a participant. A police report number was also provided to them to produce proof that I did not authorize these transactions. I asked from them to provide their findings! and have not received those findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation