vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government- issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the 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 were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA XXXX and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. The account being reported by Lockhart , Morris & Montgomery on behalf of XXXX XXXX XXXX XXXXXXXX XXXX  {$970.00} is fraudulent. 

This account was never authorized, initiated, or opened by me. I filed an FTC Identity Theft Report and provided supporting identification and proof of residence. Despite this, the credit bureaus ( XXXX XXXX XXXX XXXX ) and the furnisher continue to report the account as valid after my dispute. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report, the furnisher and credit bureaus are required to block the fraudulent information from the consumer report. The continued reporting of this account is a violation of my rights under federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
My credit report shows a CareCredit account issued by Synchrony Bank that was closed at the credit grantors request. I did not initiate the closure, nor was I notified or given an opportunity to respond. The account was opened prior to XX/XX/year> and closed without my consent, during a period of service-connected hardship and delayed VA compensation. 

I did not actively use the account, and I was not informed of any delinquency, fraud, or policy violation that would justify closure. The closure status misrepresents my financial behavior and may negatively impact my creditworthiness. I have not received documentation explaining the reason for closure or any communication from Synchrony Bank regarding this action. 

I am requesting a full investigation into the origin, usage, and closure of this account. If the account was closed due to inactivity or internal policy, I request that the reporting be updated to reflect that it was not consumer-initiated and that no negative payment history is associated. If the account was opened or closed without proper authorization, I request its removal under the Fair Credit Reporting Act.

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 2025-09-17 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: PA

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning, and I can not understand why. Even after refreshing my browser, nothing has been removed. I need the documents I submitted to be carefully reviewed immediately so I never have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: 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 data breach. 

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

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Several years ago, Citibank closed both my checking account and my Citi XXXX credit card. The only explanation I received was that I was moving large amounts of money and suspected of hiding funds. This is not correct. All transactions were legitimate, and I have always paid all required taxes. 

On XX/XX/year>, I emailed Citibanks Executive Response Unit ( XXXX ) requesting a review of the closure, confirmation of any internal flags on my record, and guidance on how to restore my relationship and reapply for the XXXX card. I also contacted XXXX XXXX XXXX XXXX the same day. 

As of today, more than XXXX weeks later, I have received no response from Citibank or XXXX. I am requesting regulatory assistance to obtain a written explanation of the closure, removal of any improper internal flags, and a clear path to reestablish my relationship with Citibank.

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 2025-09-17 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: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a Chase customer for over 10 years. Recently, I was charged monthly service fees twice this year ( once in XXXX and once in XXXX ) because my account balance fell below the {$1500.00} daily requirement. I did not receive any notification from Chase that the fee would be charged, and only discovered it by manually checking my account. 

After these charges, I called Chase customer service to request that balance alerts be set up so I could transfer funds as needed to avoid future fees. However, the alert system did not work. In XXXX, I was charged the monthly service fee again. On XX/XX/XXXX, I contacted a Chase representative to request a reversal. The representative could not explain why the alert was not sent ( I only received alert on XX/XX/XXXX, after which I immediately transferred funds ). 

Chase refused to refund the XXXX fee, stating that only XXXX service fee reversal is allowed per year. This was new information that had not been disclosed when my earlier reversal was granted. I believe the lack of proper alerts, combined with inconsistent disclosure of their reversal policy, is unfair and caused me to be charged fees that I should have been able to avoid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

AMEX XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX AMEX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KY

Complaint narrative:
Absolutely heres a strong, professional draft for submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your FAFSA billing issue : -- - To : Consumer Financial Protection Bureau Subject : Complaint Regarding Improper Billing FAFSA Not Applied Dear CFPB, I am submitting a complaint regarding improper billing on my student account at XXXX XXXX XXXX XXXX XXXX, which is being handled by XXXX XXXX XXXXXXXX. My FAFSA was submitted before the deadline and should have been applied to my tuition and fees. Despite this, I am being billed for an amount I do not owe. 

I have attempted to resolve this matter directly with both the college and XXXX, but my concerns have not been addressed. I am seeking the CFPBs assistance to ensure that my account is corrected and that I am not held responsible for charges resulting from their error. 

Requested resolution : 1. Immediate correction of my account to reflect proper application of my FAFSA. 


2. Written confirmation that my account balance has been updated.

3. Assurance that no collections or negative reporting will occur due to this error. 



Thank you for your attention to this matter. I have attached supporting documents for your review and am happy to provide any additional information required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on this account. This account is hurting my ability to obtain credit opportunities. It is my understanding that my account will be investigated for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2025-09-17 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding identity theft and the continued presence of fraudulent accounts on my credit report. Despite numerous attempts to resolve this matter directly with the credit bureaus, the inaccurate information has not been corrected. 

An individual fraudulently opened credit card accounts under my name. I have repeatedly disputed these accounts with the credit reporting agencies and submitted documentation proving that I did not authorize, apply for, or sign for these accounts. To date, none of the bureaus have provided verification of my signature, proof of my application, or evidence connecting me to these accounts.

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 2025-09-17 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government- issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the 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  were fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Complaint Type : Student Loan Payment/Repayment Issue Company : Nelnet Account XXXX XXXX XXXX Complaint Text : I am submitting this complaint regarding my student loans with Nelnet. My payments from XX/XX/year> through [ XXXX ] have not been applied to my credit report but they were sure fast to give me the delinquencies right away. Leaving my XXXX loans in my group with no on-time payments reported. As a result, my XXXX credit report has not been updated to reflect any of the payments I have made for over XXXX months. Essentially dropped my credit score XXXX points, and not rectifying their reporting. 

I called Nelnet previously, and was told the credit reporting would update by the end of the month or the first of the next month. Obviously she was lying. This was in XXXX or XXXX when I first found out I was delinquent. Which I didn't even know. I was in school part-time at XXXX XXXX , apparently I wasn't enrolled in enough hours XXXX and I did not know that I needed XXXX. So real fast to XXXX on my credit score and XXXX plus days later they haven't given me my correct payments. They still never applied my payments correctly. And now XXXX months later, none of the XXXX loans show on-time payments for this period. This is simply unacceptable. I don't want just XXXX payment for every month, they certainly didn't give me XXXX delinquency every month they gave me XXXX. I want every group payments for every month so XXXXXXXX XXXX XXXX that's XXXX payments. 

I am requesting CFPB assistance to ensure Nelnet : 1. Reallocates all payments from XX/XX/year> to the present across all loans in my group. 


2. Updates all credit reporting so that each loan accurately reflects on-time payments.

3. Provides written confirmation once this correction has been completed. 



XXXX  report currently showing NR for these months update to on-time. 


This delay and misreporting has unfairly affected my credit this costing me money and I am seeking a resolution that corrects my account and properly reflects my on-time payments. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because XXXX XXXX  has furnished inaccurate and harmful information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
XXXX. My XXXX  credit file reflects multiple late payment notations ( XXXX, XXXX, XXXX, etc. ) and a settlement comment related to a XXXX XXXX  secured credit card account ending in XXXX XXXX 
XXXX. The account shows a status of Paid in settlement. {$74.00} written off even though the balance was paid and updated XX/XX/year>. Reporting it as a settlement rather than paid in full/closed is misleading and materially damages my creditworthiness. 
XXXX. According to the FCRA, furnishers are required to report complete and accurate information. The repeated charge-off codes ( CO ) and settlement status are not a fair or accurate representation of this accounts final standing. 
XXXX. The account is also marked with XXXX potentially negative months, which exaggerates the damage to my report. This constitutes duplicate and misleading reporting.

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