vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: GA

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 followi
ng 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 non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I tried to process an order on XXXX  website for a bowl in XXXX NC. When I clicked, " place an order '' it gave me an error message stating they couldn't process my order and to pay in store. 
When I pressed place order, it still took the money out of my cashapp account. I called XXXX  and they said it'd be refunded automatically due to it not going through in the system. I never received my money back and I have proof of phone call and 2nd transaction where I had to go IN PERSON and pay again. I went in person and paid again with a different card to receive my product. I disputed the charge with my cashapp card since the website took my money off that card. I disputed the charge twice and was declined both times with all proof supplied that I was double charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been a Chase business customer for 6 years with no problems ever. 
On Wednesday XX/XX/XXXX I deposited a check from one of my large customers for {$18000.00} dollars. 
Chase then put a 10 day hold on this check due to be released on XX/XX/XXXX. 
XXXX Wednesday night XX/XX/XXXX the check cleared into my account but Chase then restricted use of this account so I could have no access to my money. 
I have spoken to numerous Chase representatives, managers, etc. Pleading for help and a explanation why this happened and I still have not gotten a clear answer. 
All I am being told is they will not reopen my account until the check is verified, even tho the check has already cleared from the issuing bank. 
I, along with help from XXXX real estate, and the XXXX XXXX where this work was performed by my company have tried over and over and provided Chase with every legal phone number to the people who wrote this check but Chase continues to say the numbers being given are not verifiable. 
These are the correct phone numbers and only phone numbers of the comptroller of the company, the accounts receivable, even the CEO of the company. 
Even tho the check has since cleared and the money has been received from the issuing bank, chase will not reopen my account.

I have exhausted every option I can provide and this has completely destroyed my business. 
I could not make payroll this week, I could not buy the equipment needed to continue running my business. Chase has taken every penny I have made The last thing a Chase representative told me was in 10 days if the check is not verified thru Chases verification process, they will close my account. 
Please help as I and my business are being greatly impacted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since approximately XX/XX/year>, TransUnion has intentionally blocked my online access to my credit report and dispute status. This prevents me from monitoring my disputes, verifying corrections, and managing my credit information. 

I have repeatedly contacted TransUnion by phone and online chat. Their agents gave contradictory statements, claiming I had no open disputes, while multiple disputes remain active before the CFPB. Each time I call, I am told we are processing without any resolution or timeframe. 

This ongoing digital access blockage forces me to depend on delayed, unreliable methods for receiving dispute results, violating my rights under FCRA 609 ( a ), 610 ( a ), and 611 ( a ) ( 6 ) ( B ) ( ii ). Restricting access while maintaining an active portal constitutes an unfair and abusive practice under UDAAP.

I request the CFPB to require TransUnion to : Restore my online access to my credit report and dispute status. 

Provide my complete, updated credit file and written dispute results without delay. 

Give a written explanation for the ongoing blockage since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AZ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXXXXXX 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 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX5 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 any 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 of 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 non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX5 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 any 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 of 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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
NOTICE OF DISPUTE Pursuant to 15 U.S.C. 1681i Date : [ XX/XX/year> ] To : experian P.O. XXXX XXXX, XXXX, Tx XXXX Re : Dispute of Inaccurate Credit Information This letter is a formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Upon reviewing my credit report provided by your agency, I have identified the following item ( XXXX ) as inaccurate and/or incomplete : Creditor/Account Name : [ Local government FC ] Account Number : XXXX Reason for Dispute : account transferred, closed charge off Action Requested : Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of the disputed item ( s ) within XXXX  days of receiving this notice and to promptly delete or correct any information found to be inaccurate or unverifiable. 
Please provide : Written confirmation of the results of your reinvestigation. 
An updated copy of my credit report reflecting any changes made. 
The name, address, and telephone number of any furnisher of information contacted in connection with this dispute. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill or similar ) Copy of relevant pages of my credit report with disputed item ( XXXX ) highlighted Any supporting documentation relevant to the dispute Failure to comply with the FCRA XXXX XXXX in legal action to protect my rights. 
Sincerely, 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 2025-08-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am requesting assistance in resolving a mistaken transaction involving a {$9000.00} balance transfer made from my Bank of America credit card to the wrong recipient XXXX XXXX Account holder. On XX/XX/year>, I inadvertently sent these funds to a XXXX XXXX account ending in XXXX. I contacted Bank of America on XX/XX/year>, and have followed up multiple times by phone and email. 

Despite my urgent and repeated requests with both entities, Bank of America and XXXX XXXX has refused to reverse or dispute the charge, stating they are not liable. I also filed multiple complaints with the Consumer Financial Protection Bureau, but no meaningful action was taken. I have now filed a police report. 

This is not a dispute over services or fraud, it is a mistake that has caused financial harm. I am requesting your assistance in holding the receiving party accountable and encouraging Bank of America and XXXX XXXX to take more responsibility for handling these cases.

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 2025-08-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate {$410.00} debt from XXXX XXXX  to my credit report. I never moved into or occupied the apartment. My rental application was denied, and XXXX XXXX  issued me a refund check for my disposition, confirming no lease or tenancy existed. Despite this, the debt was placed for collection on XX/XX/year>XXXX  and is damaging my credit. 

I received no prior written correspondence or validation before being contacted years later, which was unexpected and left me without any opportunity to prepare a response. This account is inaccurately affecting my credit report with bureaus TransUnion. 

Violations : FDCPA 15 U.S.C. 1692e False representation of the character, amount, or legal status of the debt.

FDCPA 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse, including placing an unexpected collection call years after the alleged debt without prior written correspondence.

FCRA 15 U.S.C. 1681s-2 Duty to report accurate information to credit reporting agencies. 
Negligent Recordkeeping & Breach of Duty Failing to maintain accurate account records and communication history, resulting in improper collection activity and violating reasonable industry standards. 


Key Details : Account # : XXXX  Original Creditor : XXXX XXXX Current Collector : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Amount Reported : {$410.00} Refund previously issued by original creditor after application denial.

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 2025-08-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate {$410.00} debt from XXXX XXXX  to my credit report. I never moved into or occupied the apartment. My rental application was denied, and XXXX XXXX  issued me a refund check for my disposition, confirming no lease or tenancy existed. Despite this, the debt was placed for collection on XX/XX/year>XXXX  and is damaging my credit. 

I received no prior written correspondence or validation before being contacted years later, which was unexpected and left me without any opportunity to prepare a response. This account is inaccurately affecting my credit report with bureaus TransUnion. 

Violations : FDCPA 15 U.S.C. 1692e False representation of the character, amount, or legal status of the debt.

FDCPA 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse, including placing an unexpected collection call years after the alleged debt without prior written correspondence.

FCRA 15 U.S.C. 1681s-2 Duty to report accurate information to credit reporting agencies. 
Negligent Recordkeeping & Breach of Duty Failing to maintain accurate account records and communication history, resulting in improper collection activity and violating reasonable industry standards. 


Key Details : Account # : XXXX  Original Creditor : XXXX XXXX Current Collector : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Amount Reported : {$410.00} Refund previously issued by original creditor after application denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was unemployed in XXXX of XXXX  and returned to work XX/XX/XXXX. Still unable to pay the Nelnet account which which shows a {$20000.00} increase. I was in forbearance but not shown how the new total was calculated. 
According to the Privacy Act, DOGE access my student loan data compromising my Nelnet account. I am also concerned about my personal information being shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: FL

Complaint narrative:
Summary of Complaint : This complaint concerns my private student loan serviced by American Education Services ( AES ), a division of PHEAA. The loan was originally issued under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX and marketed deceptively at XXXXXXXX XXXX XXXX XXXX XXXX XXXX using federal loan terminology and placement near official aid materials within classroom buildings. XXXX XXXX was already in bankruptcy, a fact never disclosed ; and is now defunct.

Key Issues : 1. Predatory origination deceptive marketing, material nondisclosures.

2. Unconscionable terms variable rate + deferments ballooned balance from ~ {$72000.00} to over {$200000.00} current balance ( and almost {$500000.00} in total repayment at current terms ). The current proposed monthly payment amount of over {$2000.00} is unsustainable in combination with my Fed Loan IDR plan amount of over $ XXXX ( XXXX a fed loan balance of {$640000.00} ). 
3. Improper interest accrual during my XXXXXXXX XXXX XXXX bankruptcy with no loan/interest/repayment term modifications allowed or offered up completion of the bankruptcy plan. 
4. Refusal to offer reasonable modifications despite documented hardship ( COVID-era unemployment, divorce, medical issues ).

Requested Resolution : Primary : Full loan cancellation due to predatory and unlawful origination. 
Alternative ( not a waiver of claims ) : Fixed 3 % interest, 300-month term, interest forgiveness, graduated repayment.

Additional Notes : - Not currently represented by counsel, but have consulted attorney XXXX XXXX ( ccd on my original AES letter ) ; reserve right to pursue litigation. 
- PHEAA Office of Consumer Advocacy acknowledged receipt of my dispute on XX/XX/XXXX. 

Attachments provided : Dispute letter, PHEAA acknowledgment, loan statements, ( bankruptcy records, hardship/prior unemployment documentation can be provided upon request ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery LLC dba Genesis is reporting an inaccurate {$410.00} debt from XXXX XXXX  to my credit report. I never moved into or occupied the apartment. My rental application was denied, and XXXX XXXX  issued me a refund check for my disposition, confirming no lease or tenancy existed. Despite this, the debt was placed for collection on XX/XX/2025 and is damaging my credit. 
I received no prior written correspondence or validation before being contacted years later by phone, which was unexpected and left me without any opportunity to prepare a response. This account is inaccurately affecting my credit with all three major credit bureaus ( XXXX, XXXX, XXXX  ). 

Details : Account # : XXXX Original Creditor : XXXX  XXXX  Current Collector : Columbia Debt Recovery LLC dba Genesis Amount Reported : {$410.00} Refund previously issued by original creditor after application denial. 

Violations : FDCPA 15 U.S.C. 1692e False representation of the character, amount, or legal status of the debt.

FDCPA 15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse, including placing an unexpected collection call years after the alleged debt without prior written correspondence.

FCRA 15 U.S.C. 1681s-2 Duty to report accurate information to credit reporting agencies.

Negligent Recordkeeping & Breach of Duty Failing to maintain accurate account records and communication history, resulting in improper collection activity and violating reasonable industry standards.

Company response to consumer: Closed with explanation