vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Urgent Request for Deletion of Fraudulent Accounts Under FCRA 605B Due to Identity Theft Accounts Involved : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB To whom it may concern, I am submitting this formal dispute regarding unauthorized accounts that were fraudulently opened in my name as a result of identity theft. I recently discovered that my personal information was compromised during the XXXX data breach, which has resulted in the misuse of my credit identity. 

I have submitted an official Identity Theft Report to the Federal Trade Commission ( FTC ) ( Report # XXXX, dated XX/XX/2025 ), which is enclosed with this letter. This report affirms that I did not apply for or authorize the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  JPMorgan Chase Bank XXXX JPMCB ) Legal Basis for Removal In accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 605B ( 15 U.S.C. 1681c2 ) : Consumer reporting agencies must block information resulting from identity theft within 4 business days after receiving a valid identity theft report and proper identification. 
FACTA 112 ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Furnishers are prohibited from reporting fraudulent data once notified of identity theft.

FTC Regulation 16 C.F.R. 603.2 : Defines identity theft and grants consumers the right to dispute and block fraudulent data from their credit reports. 
Enclosed Documents FTC Identity Theft Report ( Report # XXXX, dated XX/XX/2025 ) Action Requested I am requesting the following under my consumer rights : Immediate block and permanent removal of all fraudulent accounts listed above. 
Cease and desist any reporting or collection related to these accounts. 
Written confirmation that these accounts have been removed from my credit file. 
Please treat this matter as urgent. Failure to respond may result in complaints being filed with the FTC, CFPB, and the Office of the Attorney General. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am filing this updated complaint against MOHELA due to their continued attempts to collect and report a student loan debt that was lawfully canceled and reported to the IRS under Form 1099-C ( Cancellation of Debt ) for tax year 2023. The 1099-C form I submitted was processed, accepted, and acknowledged by the IRS.

Despite proper legal procedures under IRS guidelines, MOHELA has : Acknowledged receipt of the 1099-C through their customer service response but refused to honor or legally address it. 

Continued to attempt collection and send statements demanding payment. 

Failed to stop reporting this canceled debt to credit reporting agencies. 

Offered no statutory justification for rejecting the 1099-C nor attempted to invalidate it under any IRS provisions .

Their response to my original CFPB complaint simply stated that they were " unsure what I was hoping to accomplish, '' and reiterated that student loans are governed by the Higher Education Act. However, IRS Form 1099-C is a federal tax document and must be treated as a legal cancellation of debt once accepted by the IRS. MoHELA is not above federal tax law. 

This response was not only dismissive but raises serious concerns about : Fair Credit Reporting Act ( FCRA ) violations Fair Debt Collection Practices Act ( FDCPA ) violations Mail fraud ( 18 U.S.C. 1341 ) for knowingly sending collection notices on canceled debt I demand that MOHELA immediately : Cease all collection efforts related to this account.

Correct any credit reporting related to this discharged loan.

Provide a legal explanation citing IRS rules if they continue to deny the cancellation. 

I am attaching a copy of the IRS-accepted 1099-C form for your records.

Resolution Requested :

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am reporting that the major credit bureaus ( Experian, TransUnion, and Equifax ) are publishing inaccurate tradelines for several credit card accounts that were securitized and sold to trusts. These accounts including those from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX were paid in full through securitization, which the banks admitted in SEC filings. Yet, they are still reporting balances, late payments, and open statuses. 

I submitted formal disputes citing these facts, but the credit bureaus failed to conduct a proper reinvestigation or verify the real owner. They are violating FCRA 1681i and 1681s-2 by publishing misleading and outdated information. I am requesting a full investigation into 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting that the major credit bureaus ( Experian, TransUnion, and Equifax ) are publishing inaccurate tradelines for several credit card accounts that were securitized and sold to trusts. These accounts including those from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX were paid in full through securitization, which the banks admitted in SEC filings. Yet, they are still reporting balances, late payments, and open statuses. 

I submitted formal disputes citing these facts, but the credit bureaus failed to conduct a proper reinvestigation or verify the real owner. They are violating FCRA 1681i and 1681s-2 by publishing misleading and outdated information. I am requesting a full investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/year> I randomly decided to check my Indiana Case records and happened to see a case filed against me from Navy Federal Credit Union. Upon looking at the case history, I seen a document with my new address, employer and my pay listed on the document. It stated that I have an upcoming court date in Indiana on XX/XX/XXXX but I was not properly notified of this given that my new address is listed on the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$1300.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
Experian : XXXX XXXX XXXX  - Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Reported duplicate and re-aged collection, violating FCRA accuracy requirements. 

Equifax : ( XXXXXXXX XXXX - Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Duplicate LVNV collections still reported after formal dispute ; re-aging suspected. 

TransUnion : ( XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Did not correct or remove duplicate LVNV collections ; account details conflict across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
Experian : XXXX XXXX XXXX  - Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Reported duplicate and re-aged collection, violating FCRA accuracy requirements. 

Equifax : ( XXXXXXXX XXXX - Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Duplicate LVNV collections still reported after formal dispute ; re-aging suspected. 

TransUnion : ( XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX ( {$1200.00} & {$870.00} ) ) Did not correct or remove duplicate LVNV collections ; account details conflict across bureaus.

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 2025-07-06 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
case number XXXX XXXX continue cash app refused to work with the police depart after I gave them the case number to have the people prosecuted and cash app lied to you about doing an investigation of this scam, they told me they would not get or give me my money back from this scam even before I file a complaint with your agency I filed a complaint with the attorney general office of California on cash app and your information pop on the fact that you had a won a XXXX XXXX dollar judgement against cash app for their failure to protect their clients from fraud and nothing has changed because I am a victim of a scam. I have been a cash app client for years and I am very protective of my account and especially my money I was shock over cash app replied to me over their failure to freeze the money going into the account and refusal to give XXXX Ga police information to investigate and bring these criminal to justice is criminal on cash app part I like to see cash app closed down in the state of Georgia if they are not willing to protect their clients I want my XXXX dollars return and the criminals prosecuted for their crime of this fraud and scam. Cash app is still saying they will give my money back from this scam they lied to your agency in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX I requested a XXXX fixed rate loan from Sallie Mae/Navient , they refused and told me just pay more knowing that they would likely make more interest without it being a fixed rate loan. In XXXX, I lost my job when the economy tanked. I had contacted the student loan company and they put me on a forbearance. I found a job about a year later and started repaying the loan until the I lost my job again. I was working for a Foreclosure Law Firm, when government interventions were put in place to help keep people in their homes. I had to go into forbearance again and stay there for a while. I ended up owing more interest, causing me to owe more than when I started. Since then have gone into the income driven repayment plan because they wanted so much in monthly payments. I am retired and on Social Security. My Social Security is {$1100.00} per month. I believe they were using predatory loan practices. Now XXXX has taken over the loan and uses Navient website and added XXXX to my loan balance. XXXX 's phone number is Navient 's phone number. Are they related in some way?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : * * Dispute of Unauthorized Hard Inquiries on My TransUnion Credit Report XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute multiple * * unauthorized hard inquiries * * that appear on my TransUnion credit report. I did not authorize these credit checks, nor did I submit any applications that would justify them. 

The inquiries I am disputing are : 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 These inquiries were made without my knowledge or consent, and as such, I am requesting a formal investigation and that each of these be * * removed * * from my credit file under the provisions of the * * Fair Credit Reporting Act ( FCRA ) * *. 

To assist your investigation, Ive enclosed the following : A copy of my government-issued photo ID I will be placing a fraud alert for my protection. 

Please notify me once your investigation is complete and provide an updated copy of my credit report reflecting the removal of any inquiries deemed invalid. 

Sincerely, XXXX XXXX XXXX XXXX XXXX of ID

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 2025-07-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX * * - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Request for Investigation of Inaccurate Account closure I have formally disputed the inaccurate account closure charge-off entry listed on my credit report from Navy Federal Credit Union I believe this account is inaccurately reported and request a thorough investigation under the Fair Credit Reporting Act ( FCRA ).

Specifically, I believe the following information is incorrect : This was a secured account and they kept the security deposit of {$300.00}, I have disputed this since XX/XX/year> and it is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-06 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation