vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: IL

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom TD bank USA I didnt recognize this account please remove immediately from my credit report From XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This complaint is regarding Jefferson Capital reporting information to the credit bureaus that has not been validated. I submitted a debt validation request asking for documentation showing my wet ink signature, original agreement, and chain of title to prove the debt is valid. 

Instead of providing the required proof, Jefferson Capital continues to report the alleged debt to the credit bureaus and claims that their investigation meets FCRA requirements. This is not acceptable, as the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) requires a collector to verify a debt before reporting or continuing collection activity, and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) requires that all reported information be accurate and verifiable.

The company has failed to produce any validation and yet continues to furnish data to the credit reporting agencies, which is a direct violation of both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-09 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AL

Complaint narrative:
I am submitting this complaint because Mohela is inaccurately reporting and collecting on a XXXX XXXX XXXX XXXX that was discharged in bankruptcy under the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI received an official discharge notice from the XXXX  Settlement Administrator dated XX/XX/year>, confirming that my XXXX XXXX XXXX was included in the settlement and should have been permanently discharged. 

Despite this, Mohela continues to report the account as active on my credit reports and has continued to accept payments from me after the discharge date. I discovered the discharge notice recently while reviewing my records and realized I had been paying on a loan that was no longer legally enforceable. 

I have disputed this account directly with XXXX XXXX XXXX XXXX and provided copies of the discharge notice, but all three bureaus continue to report the loan as open. I also contacted Mohela to request correction and refund of payments, but no action has been taken. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as Mohela is furnishing and collecting on a debt that was legally discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened an account for emergency $ after my husband died in XXXX. I did not have a will for myself or anyone left, except for XXXX daughter. I put her as a cosigner on the checking and savings in XXXX. 
I'm XXXX I went to the bank to remove my daughter from my bank accounts and the bank said she had to come in and remove herself. She refused to do so. 

On XX/XX/XXXX she went to the bank and stole {$13000.00} from the account and the bank allowed her to completely close MY account with no notification. 

I am XXXX and by state and federal law this is considered, " Elder Abuse ". 
I need my $ back. When I opened the account in XXXX they said, " We are a fiduciary for this ACCOUNT, they were not. They did not represent me on this account.

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 2025-10-09 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
b'Some one did fraud on my name I cant open nothing'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: PA

Complaint narrative:
I am submitting this complaint regarding a debt being reported/collected in my name that I did not incur. This debt is the result of identity theft. I have never opened an account with Foster And Monroe LLC and dispute the validity of this debt. I am requesting that this debt be removed from my credit report, all collection activities cease, and a full investigation be conducted.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-09 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:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX 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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received a message from Nelnet on XX/XX/year>, stating that Nelnet has put my account into forbearance. Part of this letter read, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' I received this same message in the form of an email the very next day, XX/XX/XXXX. 

However, I just received an email from Nelnet yesterday afternoon with the subject line, " Your SAVE forbearance is accruing interest effective XX/XX/year>. '' It further stated : " We recently sent you a notification regarding a federal court injunction impacting the Saving on a Valuable Education ( SAVE ) Plan and other income-driven repayment ( IDR ) plans. We informed you that Nelnet placed your account into a forbearance with no interest accrual. The U.S. Department of Education informed Nelnet that effective XX/XX/year>, loans in a SAVE forbearance now accrue interest. '' If I am reading this correctly, then this is absolutely absurd and beyond unprofessional. Not only is Nelnet reversing its new policy just two weeks after instituting it, but Nelnet is also now retroactively tacking on accrued interest to my loans. Please help me understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I open a certificate of Deposit at Marcus Godman Sacks on XX/XX/year>, with almost XXXX month delay for misinformation by customer services at Goldman Sacks ( phone XXXX ). 
Finally, on XX/XX/year>, they create the account number XXXX. I deposit $ XXXX USD in a XXXX CD with maturity date of XX/XX/year>, at a 4.4 % interest rate. 

I called today again, and I was told that I will receive about {$2.00} interest on XX/XX/year>. 

A simple mathematical equation is XXXX % X - 4,4 % = XXXX. USD ( interest ). 

This means someone inside Goldman Sacks is committing fraud, and or Goldman Sacks is committing false marketing violating the 15 U.S. Code 54 - False advertisements ; penalties I would like to know what kind of dishonest accounting Goldman Sacks is using for such a difference in more than {$8000.00} dollars difference? How Goldman Sacks do the calculation that does not match what they " OFFER '' On XXXX XXXX XXXX I recived another not sigen letter telling me that my CD XXXX XXXX on XXXX XXXX XXXX for a another lie. I have all the copies and I can scan and provide them. 

I have received multiple incorrect and misleading communications from Goldman Sacks, have made several claims that ended in nothing, and responses with no signatures. Among other claims XXXX dispute XXXX. Notice of XXXX XXXX. 

Other claim dispute date XX/XX/year>, claim # XXXX. 



Thanks, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
Experian is falsely reporting a XXXX XXXX XXXX ( Ref. # XXXX ) on my credit file as a Potentially Negative public record even though it was dismissed and the XXXX XXXX XXXXXXXX, XXXX. ( XXXX XXXX ) has confirmed in writing that it does not furnish or verify data for any credit bureaus. Despite this, XXXX XX/XX/year> report ( No. XXXX ) still lists the record under XXXX XXXXXXXX XXXX XXXX XXXXXXXX and states it was verified through a public-record vendor, which is not the actual court of record. 

I have repeatedly disputed this entry and provided the courts non-reporting letter, yet Experian refuses to delete or properly verify it. Their continued reliance on a third-party vendor instead of the court violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 1681i ( a ) ( 7 ) failure to ensure accuracy, to conduct a reasonable reinvestigation, and to remove unverifiable data.

I request that the CFPB compel Experian to delete this unverifiable bankruptcy, provide a detailed Method of Verification identifying the vendor used, and review Experians systemic use of vendor-sourced court data.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Master Finance Company
State: OK

Complaint narrative:
Offered a loan The cheque was refused- not cashable They refused to accept it back, saying, " You have a contract. You signed a contract, I gave you the check, you owe the money. '' I refused as it was not a legal contract. 
Finally, XXXX from legal called me. I explained the situation, and she offered a solution. 
I returned the cheque, and I received a payoff receipt for a {$500.00} loan that has been paid in full, along with a {$300.00} credit. However, my credit score has dropped from XXXX to XXXX because they reported false information about me. Since I moved, I have been unable to secure housing due to my low credit score and am currently living in an extended-stay hotel. 
XXXX was a lady in the store XXXX, whom they refuse to allow to locate or talk with, is legal Master Finance XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
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 U.S.C 1681. 
Accounts : XXXX XXXX  Balance : {$10000.00}, Acct # XXXX, Opened : XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00}, Acct # XXXX, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1500.00}, Acct # XXXX, Opened : XX/XX/XXXX 15 U.S.C.1681 Section 602A states : I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681 Section 2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have made multiple disputes as well as sending letters to the creditors and credit bureaus informing them these accounts are not mine and I did not authorize them to be opened. I have sent in FTC fraud reports as well as letters disputing these items. XXXX XXXX XXXX and XXXX XXXX XXXX are 3rd party collection agencies that purchased accounts that were opened fraudelently under my name and Net Credit has been made aware that this account was also opened fraudelently without my consent.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
am writing to formally follow up regarding fraudulent transactions that were reported on my Chime account, which remain unresolved despite multiple attempts to contact your support team. 

I initially reported these unauthorized charges to chime, providing full details and supporting documentation. However, to date, no corrective action has been taken, and I have not received any meaningful updates or resolution from Chime regarding my case.

Company response to consumer: Closed with explanation