vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, they posted a auto payment to my bank in the amount of {$3200.00}. This is the balance that I owed on the card. I did not make this payment. I spoke to my bank and they disputed the charge. 

On XX/XX/year> they sent me an email that the autopay payment would be deducted from my I discontinued autopayment with XXXX. 

When I rec 'd my billing via email it shows a balance of {$6200.00}, I do not owe this, it is a double billing on my account and they did not do as they said they would do. 

Yesterday I spoke to a manager, she said it would take 2 -3 months to sort out and that, what I was told previously in XXXX and XXXX, was not taken care of by the person that I spoke with at XXXX. 

I want this resolved immediately. I will continue to make my payment, however, I am sure they are including the total balance they have posted, has service charges and interest that is incorrect. 

This is not the first issue I've had with XXXX They are not a reputable company. Once this is settled, I will never use them again and deter anyone that wants to use them.

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 2025-01-29 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: AL

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 

Here are the accounts Im disputing : XXXX XXXX  account number XXXX Eastern Account Systems account number XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 

Exactly what steps you took to investigate my dispute.

Copies of any documents you used to verify the account.


2. If you cant properly verify this account, I want it deleted from my credit file. Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities.

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

Sincerely, 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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
Multiple accounts on my credit that are not mine and also a personal address that does not belong to me XXXX XXXX, XXXX {$6700.00} XXXXXXXX XXXX XXXX$7400.00} Address - XXXX XXXX XXXX, AL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Federal student loans payment counts have not been updated since XX/XX/year>. I submitted several PSLF application also that have not been processed correctly. My request is to update my student loan information from XX/XX/year> to the current date. My submitted PSLF forms are not getting processed. I sent them in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXXXX - {$0.00XXXX XXXX XXXX XXXX XXXX - {$1400.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. Experian has not mailed me a full copy of my report and neither has XXXX or XXXX. Anytime I inquire with XXXX, I always receive a letter stating they can't find my report, then they miraculously update things. With XXXX, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with Experian they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX sent me on XXXX their rules and regulations but no proof as to why this inaccurate acct is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. These are the accounts Ive marked as inaccurate XXXX XXXX {$110.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$950.00} XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
Before i begin, i would like to say i have never had this issue with another credit union. Before i had medical issues and my life turned upside down, paired with TWO hurricanes hitting my state, ( which still has homes here uninhabitable, driving rent up ) i was always timely with payments and as soon as i knew money would be an issue i signed up to be on a plan, on any card i had, in order to decrease debt. XXXX XXXX can attest to that. 
Discover did not have any sort of debt relief option. Discover was my first credit card. The way that discover sends out sign up letters to freshly XXXX XXXX  XXXX to potentially permanently damage their lives for a LONG time is extremely predatory. The way that this is even legal stuns me. Anyone under the age of XXXX does not understand that responsibility. 
My unhappiness with discover stems from the day that i accidentally typed a wrong number on my banking info to send through my money that would FINALLY, after trying to save for so long, CLEAR my debt. The payments had issues, which i still never have gotten the full grasp of due to horrible customer service, going from department to department and being told different reasons, in confidence i was being told the correct information, to a guy that was not so subtlety telling me theres nothing he can do and to cry about it, ( which is probably documented ) and that my account will remain closed. Ever since then ive tried to be consistent with the payments despite my medical circumstances, I have signed up for the program to alleviate my debt, and i am still getting credit reports that i am missing payments although my payments are not until XXXX. 
Now this will affect me for years, not only am i XXXX XXXX XXXX facing the worst economy america has ever seen, my odds of having anything of value in this life are already slim, i then have to deal with this horrible establishment that has been screwing me over for the past year.. time and time and time again and not being anyway helpful about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out and I let them know that the spelling of my address and names were not accurate and I needed them removed because they were reporting incorrect information and they refused to remove them since they stated that they were verified to be correct. I asked for them to show me what they used to verify the information and they denied me the information. I asked that if they are unable to spell my name correctly how can I be certain that they are reporting accurate information about me. They declined to answer the questions that I asked and continued to state that the information that was provided was correct.

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 2025-01-29 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: IL

Complaint narrative:
Inaccurate, incomplete, or unverified information is being reported. In some instances information from third-parties and not the original creditor is being reported. 

Also, an initial fraud alert is showing on my report and I never placed a fraud alert on my report ever.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account has been affected by the exposure of the Data Breach. I have the right to privacy 15 USC 1681. Under section 605B this information should be removed of my credit. I need this information to be removed.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account has been affected by the exposure of the Data Breach. I have the right to privacy 15 USC 1681. Under section 605B this information should be removed of my credit. I need this information to be removed.

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 2025-01-29 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:
Account Name : XXXX Account Number : XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX. if futher information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear XXXX, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Experian. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

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 2025-01-29 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: SC

Complaint narrative:
XXXX XXXX contacted me via Social media represent XXXX XXXX with work from home. He sent me {$4800.00} in a fraudulent check. It bounced and I had to pay over {$300.00} in clearance fees, and hes using my address XXXX ( XXXX ) XXXX XXXX from XXXX XXXX stole {$100000.00} from me online trading 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 2025-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit agency like XXXX, XXXX and XXXX has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Chime was taken by someone and they The were able to change all my information like email, phone number password address to help them log in and use my account. This went on virtually unnoticed. I discovered something was going on when on when I set up a transfer from my Chime to my XXXX and another from my Chime to my XXXX on the XXXX of XXXX. The following day XX/XX/XXXX my XXXX account was suspended. 
The day after that XXXX permanently closed all my accounts with the reason being the Chime account holder reported the transfers as Unauthorized. IM THE ACCOUNT HOLDER OF THAT ACCOUNT. I most certainly did NOT report my own transfer especially due to the fact I can't even get into my Chime In the first place. I called Chimes customer support which they were absolutely no help at. " XXXX '' the representative I spoke ended the conversation by writing my email down and telling me his supervisor and a team were going to look into this matter and email there findings to me in 24 hours. They never did. The people or person who took over my account cleared out all my money and I still to this day can't login to my account. They require me to upload photo identification to change information to help me get in. Which I don't have due to a DWI got. How ironic isn't it. They allowed a stranger to infiltrate my account giving them access to sensitive information and my financial information and funds.

Company response to consumer: Closed with monetary relief