vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I submitted a formal written request to Nelnet, my fXXXX XXXX XXXX servicer, asking for a full audit of my repayment history dating back to XXXX. I also requested a manual calculation of my qualifying months under the One-Time Income-Driven Repayment ( IDR ) Adjustment, as I believe I now meet the criteria for forgiveness after over 20 years in repayment. My loans have never been in default. 

On XX/XX/XXXX, Nelnet responded via email but refused to provide the requested information in writing, instead directing me to call them. I emphasized that I needed a written record and reiterated that under Department of Education guidance, borrowers like myself are entitled to review and written confirmation regarding their forgiveness status. 

In the meantime, despite this open review and my pending eligibility for discharge, Nelnet reported late payments on my account to the credit bureaus which I believe is inaccurate and unjust, particularly during a time when my loans should be under protected review. 

I disputed the reporting with all three credit bureaus. As of XX/XX/XXXX : XXXX and XXXX  have both removed the account and all derogatory marks ; XXXX however, has only updated the account status and continues to report negative information. 

These inconsistent actions have harmed my credit and contradict federal policy guidance surrounding the IDR Adjustment forgiveness timeline ( implementation deadline : XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Below is a list of the items I am disputing : ACCOUNTS CONSUMER PORTFOLIO SVS - XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX - XX/XX/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 XX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: RI

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

Please see the attached file for what I am complaining about! 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX I attempted to log in to my CashApp account associated with my phone number, XXXX. After logging in and completing the XXXX XXXXXXXX authentication, I received a new prompt asking me to verify my Cash App debit card number. The last time I used this card was years ago and I no longer know where it is. I was unable to access any other features or even to contact in-app support without passing this verification prompt. 

The same day, I called Cash App support and asked them to either resend my debit card to the address on file, or allow me to verify my identity another way to get access to my account. The agent first told me that my account was closed and that I would not have access to my debit card or any features except withdrawals. I then asked them to confirm for me that my account was closed and to send me a check for the remaining balance if so. The agent then claimed that my account was " suspended, but not closed '' and refused to proceed with any other action on the account. The agent insisted that there was no way to verify my account, despite my calling from the same phone number associated with my account login. The agent would not provide me written confirmation of the status of my account, of my remaining balance, or offer to verify any of my information despite my willingness to provide any identity verification documents requested. The agent instead insisted that my account was not actually closed and that there was no requirement that he send me any remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
My name is XXXX XXXX my XXXX is XXXX I need yall add this to my dispute for XXXX XXXX this is a supporting document showing proof it was removed from equifax it should be also removed from yall end too and off my credit report too because I cant mail it to yall and also need to be removed from transunion  too my claim dispute number is XXXX and my credit report file number is File Number : XXXX when yall add it to my dispute and also removed the account off my credit report please send me proof and attach it to the XXXX  complaint etc make sure it removed to experain too etc Update I need the investigation to be investigated again and removed off all XXXX my credits report etc my other XXXX  case number that is open XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year> I received XXXX XXXX  transactions from friends to pay for an XXXX. On XX/XX/year> I transferred these funds to my XXXX XXXX  account that had already been closed. I called the bank on XX/XX/XXXX and was told that the funds have been rejected due to the account being closed and XXXX  should add this money back to my account. It is XX/XX/year> and no one has been able to help me. XXXX of the live agents claimed she opened disputes on all three transfers of funds but I can not access these disputes. It has almost been a month and nothing has been solved. The funds transferred were for XXXX, XXXX, and XXXX. I've been contacting XXXX  support every day since XX/XX/XXXX and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-05-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i got my chase XXXX XXXX XXXX  charged a late fee but i did indeed make a payment. its was for XX/XX/year>2024 and i got the late fee reversed as well on the same day. it still appears on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
This is brief information... I received an email statement XX/XX/XXXX in the amount of XXXX on the XXXX account through XXXXXXXX XXXX. The account had a XXXX balance it had been inactive over a year, the new cards were never activated. I contact the bank XX/XX/XXXX My questions? why? how did the happen? a transaction approved on a expired card, which expired XX/XX/XXXX, the representative could not give me an answer nor any explanation. I disputed the charge due to the fact it's an over the year expired which is a fraud and illegally ... to no avail XXXXXXXX XXXX is responsible for this mishap and should be held accountable for a debt the bank allowed to occur on a over the year expired card. XXXXXXXX XXXX have reported the debt to the Credit Bureaus although the case has not been resolved. The bank have not provided an answer to justify this illegal transaction. 
I have other cards when they expires I can no longer use them. It's declined, invalid etc....

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 2025-05-21 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: NC

Complaint narrative:
This is brief information... I received an email statement XX/XX/XXXX in the amount of XXXX on the XXXX account through XXXXXXXX XXXX The account had a XXXX balance it had been inactive over a year, the new cards were never activated. I contact the bank XX/XX/XXXX My questions? why? how did the happen? a transaction approved on a expired card, which expired XX/XX/XXXX, the representative could not give me an answer nor any explanation. I disputed the charge due to the fact it's an over the year expired which is a fraud and illegally ... to no avail XXXXXXXX XXXX is responsible for this mishap and should be held accountable for a debt the bank allowed to occur on a over the year expired card. XXXXXXXX XXXX have reported the debt to the Credit Bureaus although the case has not been resolved. The bank have not provided an answer to justify this illegal transaction. 
I have other cards when they expires I can no longer use them. It's declined, invalid etc....

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 2025-05-21 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: NC

Complaint narrative:
This is brief information... I received an email statement XX/XX/XXXX in the amount of XXXX on the XXXX account through XXXXXXXX XXXX. The account had a XXXX balance it had been inactive over a year, the new cards were never activated. I contact the bank XX/XX/XXXX My questions? why? how did the happen? a transaction approved on a expired card, which expired XX/XX/XXXX, the representative could not give me an answer nor any explanation. I disputed the charge due to the fact it's an over the year expired which is a fraud and illegally ... to no avail XXXXXXXX XXXX is responsible for this mishap and should be held accountable for a debt the bank allowed to occur on a over the year expired card. XXXX XXXX have reported the debt to the Credit Bureaus although the case has not been resolved. The bank have not provided an answer to justify this illegal transaction. 
I have other cards when they expires I can no longer use them. It's declined, invalid etc....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive 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
Consumer complaint received 2025-05-21 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.

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 2025-05-21 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: MD

Complaint narrative:
I disputed negative account on my credit report, Transunion, Equifax and Experian responded back stating that the accounts was verified and acuticate with no documented proof of verification or source of investigation.

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 2025-05-21 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: LEXISNEXIS
State: TX

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXXXXXX LEXIS NEXUS XXXX XXXX XXXX XXXX all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent, obsolete accounts listed below : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i reviews my credit report and see some thing not correct, i have fraudulent accounts, 1 ) INFORMATIVE open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove hard inquiry on my credit report, thanks

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 2025-05-21 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: TX

Complaint narrative:
i reviews my credit report and see some thing not correct, i have fraudulent accounts, 1 ) INFORMATIVE open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove hard inquiry on my credit report, thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/year> an account was open without my permission on Macy ; s store. I am including a copy of my complaint to the FTC report file. This account is not mine is a fraudulent account open under my name.

Please correct this I have. fraud alert on my credit report that indicates that no credit should be granted until you verify that I am the one requesting credit.

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