vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Hello, Last year I filed a complaint against this company as a result of their releasing the original signer of the student loan from her obligation to repay it and reassigning the debt to me as the cosigner. Due to various discrepancies like not having a copy of the loan, multiple Truth and Lending Statements etc, payment was stopped on the loan in XX/XX/XXXX. The account closed in XX/XX/XXXX. 
Since then the creditor has been submitting incorrect information to Equifax and TransUnion each month saying the account is delinquent or in collections. I have disputed the information on my credit reports but Firstmark Services ( formerly known as NelNet ) has refused to clean up my credit reports. 
Several months after the account closed last year I learned that the original signer 's debt was not discharged in her bankruptcy which she filed in XX/XX/XXXX. I provided this information to XXXX  and XXXX  in recent disputes and yet Firstmark continues to refuse to remove the derogatory ratings and clean up my file back to XX/XX/XXXX which is when the loan was unilaterally changed from the signer being responsible to me, the cosigner, being responsible. Firstmarks actions have had negative consequences to both credit scores from these credit companies. 
When I reached out to XXXX, for example, they continue to ask for more supporting documentation. They ask me for the information when in fact Firstmark Services as a creditor listed in the bankruptcy in XX/XX/XXXX has the documentation. There is and has been a cost to me to locate and obtain information through the bankruptcy court and to retain a bankruptcy attorney in order to find out the status of this loan through the bankruptcy court. Firstmark Services should be held accountable for the undue hardship they caused on my financial and emotional wellbeing in dealing with this issue for almost a year and a half. 
In closing, the original signer of the student loan made payments after the bankruptcy was finalized in XX/XX/XXXX which is certainly counter to her best interest if she in fact had an order releasing her from this debt. It was Firstmark Services who purported in XX/XX/XXXX that she was no longer obligated. I'm submitting the documents I recently provided to XXXX  and XXXX  from the court showing the student loan was not XXXX in XX/XX/XXXX. 
Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
TO : EQUIFAX INFORMATION SERVICES, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FTC REPORT NUMBER : XXXX ATTN : LEGAL DEPARTMENT RE : Accounts for investigation and verification I am writing again to you because I have been monitoring my credit report for any changes since my previous dispute letter, but until now, I have not seen the updates that I asked for. 

I am assuming that you did not conduct the investigation, so now I am requesting that you do the proper investigation and I would like to know the measures you took to reasonably investigate the accuracy and completeness of the information on these accounts as stipulated by 15 USC Section 611 ( a ) ( 6 ) ( B ) ( iii ). I would like to know the business name of the data furnisher, their address, phone number and the detailed description of the method of verification you used. 

Please pay attention to the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This lender is in direct violation of the FCRA because I was never properly notified of any late payments in writing. No emails. No letters. And I am aware that they can not use the Initial Disclosures as proper notification. Please remove immediately since I was never properly notified or block the payment history permanently. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I need access to my online account and access to my funds. I am being told my account is under review without a reason nor a resolution. I want my account access to be fixed as I have proven my identity, sent all forms required numerous times and now I'm a mother of 5 unable to use her hard worked funds as my direct deposit is set to 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 2025-05-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Last month, I opened a cryptocurrency trading account with Gemini.com and made my first monthly payment of {$50.00}. 

On or around XX/XX/XXXX, I lost access to my account. I attempted to use all available website tools to regain access, without success. 

On XX/XX/XXXX, I sent an email to Gemini Trust 's help desk detailing the issue. It took two days for them to respond. On XX/XX/XXXX, they replied with further questions, which I answered promptly on the same day ( XX/XX/XXXX ). 

Since that time, despite multiple follow-up attempts via email and their support system on XX/XX/XXXX and XX/XX/XXXX, Gemini has ceased all communication and is not responding to my inquiries. I am unable to access my account or the funds I have invested. 

I have attempted to resolve this directly with Gemini 's customer support through their designated channels, but they have failed to provide a resolution or even acknowledge my recent communications beyond assigning ticket numbers. 

I am requesting immediate assistance to regain access to my account, or, failing that, to promptly close my account and refund/withdraw my {$5.00} ] from the account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management company sent me a debt collection letter dated XX/XX/scrub>XXXX 
However, per the NMLS consumer access website, this company is not licensed to collect debt in the state of Michigan. 
They are threatening me with a lawsuit if I do not pay by XXXX 
The collection amount in the letter is {$1200.00}. 

Company : Midland Credit Management, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX XXXXXXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX. 

XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Identity Theft XXXX  Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I haven't been able to access my equifax account through XXXX XXXX for over 7 years. I send in the requested information to have them verify me as they are required to do but I have sent in requested documents multiple times and I'm still not being verified to resolve this issue. As I am currently making this complaint at XXXX central time on the day of XX/XX/year> while currently on hold with equifax complaint line but I'm on a continuous hold. I am on hold to verify I am recorded and documented through equifax to try to resolve this matter but I yet to have help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian continues to not verify my account and when I try and sign in it states We have encountered an internal system error. Please note that your order has been canceled. Sorry about the inconvenience .. Ive talked to multiple reps and nobody has been able to verify me nor have I been able to even log into my account. They have also tried two step authorization with my phone number and email and neither work or they wont send out a text message with a code.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I sent an international wire in the amount of {$10000.00} through TD Bank to a recipient 's bank in XXXX. The next day the funds were returned, but now it was {$9800.00} ( so I lost {$110.00} in intermediary bank fees ). I went to TD Bank to find out the reason and they explained that the intermediary bank doesn't have USD relationship with the recipient 's bank. Now I asked my mom ( the recipient ), what happened on their end and her bank stressed there should have been a specific intermediary bank used for the transaction. However TD bank has stopped asking for an intermediary bank information a while ago, now the system generates it automatically, so there is no way to choose an intermediary bank. I've been sending money through TD Bank successfully for over a decade, but now this is the second time that the funds are returned the next day and I lose money on intermediary bank fees. The first time it happened in XXXX of XXXX. In between those XXXX unsuccessful times there was XXXX time that money went through. So now I'm not sure if I can send money with TD Bank successfully or not again, it feels like a gamble. Please help me figure out who is responsible here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a collection notice from Midland Credit Management regarding a XXXX XXXX account originally issued by XXXX XXXXXXXX XXXX, with a claimed balance of {$2900.00}. On XXXX XXXX XXXX, I sent a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I specifically asked for a signed agreement, a complete itemized breakdown of charges and payments, documentation proving legal ownership of the debt including chain of title, and proof that Midland is licensed to collect debt in the state of Georgia. On XXXX XXXX XXXX Midland responded with a balance summary but failed to provide the documents I requested. Before I even sent my dispute, they sent a pre-legal notice suggesting potential legal action. Despite not properly validating the debt, they have continued collection efforts. I am requesting that all collection activity and credit reporting be halted until the debt is fully validated, or that the account be removed entirely due to non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
A credit card account that I am not associated with was added to my credit report. On my report it shows an XXXX credit card account, I am not an authorized user on the account, the credit card only belongs to my mother. My mother is the only authorized user of the credit card account. I was reported to Experian under my name without my consent, and a recent credit limit decrease caused my credit score to drop by nearly XXXX points. I contacted Experian and XXXX to dispute this and submitted documents proving I am not linked to the account, but nothing has been resolved. This error is severely affecting my ability to purchase a vehicle and maintain financial stability. I need this account removed from my report immediately.

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 2025-05-23 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: NJ

Complaint narrative:
Upon reviewing my consumer credit report today XXXX XXXX XXXX via your online " free credit report '' portal, Equifax is, and has been knowingly and willfully reporting inaccurate and incomplete information of alleged trade-lines that are and has been causing me harm, damage, injury, and defamation. I demand for the immediate perpetual removal and deletion of the following inaccurate and incomplete reporting trade-lines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number is an account I have no affiliation with and do not recognize. What certified documentation signed under penalty of perjury from a credible and competent man or woman authorized on behalf of that entity is Equifax in possession that I can personally verify the authenticity of, and that accurately and completely confirms that account number to be in direct affiliation with my person?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 2025-05-23 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I reported fraud to my credit card company in the amount of {$15000.00}, made in XXXX transactions on the same date. My credit card company denied my claim stating the chip was used and that it was verified that I had the card in my possession at the time of the transactions. When I originally called, the way they were stating questions was confusing and resulted in a multiple mistakes such as deactivating my mobile account access even though I did not request that, theyre claiming I stated that I had my card in my possession at the time of the transactions. I may have said I would have assumed it was but I would not have know, the company that charged these to my account should be investigated for fraud as well. They stated it was a cleaning company, which Ive personally never used one ever.

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 2025-05-23 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card by Citibank on XXXX and people scammed my credit card and I tried to contact Citibank they never responded that happened XXXX and I closed my account and stop paying cause they are not resolving my case now they try to agains 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