vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
This is a new complaint based on additional facts and violations not fully addressed in my prior CFPB filing. Nelnet failed to notify me that my deferment had ended and failed to properly process my request for deferment extension. I called Nelnet to confirm that my account was in deferment, and I was told that it was. Later, Nelnet admitted in writing that my account was placed back into deferment on XX/XX/year>. By that time, they had already reported multiple late payments ( XXXX 2025 ) to the credit bureaus. 

Why this is inaccurate : I was verbally told deferment was in place. 

I never received proper notice that my deferment had ended. 

Nelnets own letter confirms deferment was reinstated, proving my request should have been processed earlier. 

Violation : This is a servicing error and a violation of the Fair Credit Reporting Act. Administrative forbearance rules tied to COVID relief also required clear borrower notification before repayment resumed. Nelnet failed to meet that requirement. 

Requested Resolution : I request removal of all late payments reported from XXXX through XX/XX/year>, as they resulted directly from Nelnets servicing error and failure to notify. I also request CFPB escalate this matter to the Department of Education for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There were several inquiries that I didn't recognize on my credit report. After receiving a cyber security risk from Transunion that resulted in my ssn and dob being used i discovered these inquiries I don't recognize. 
Jpmcb bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Failure to Provide Prepaid Recycling Envelope for XXXX XXXX I am filing this complaint against American Express due to their repeated failure to fulfill a simple and standard service request. 

Over the past month, I have made at least five separate attempts ( XXXX by phone, XXXX by their online chat and XXXX by written correspondence ) to obtain the prepaid recycling kit/envelope that American Express provides for the secure return and destruction of its metal credit cards. Despite assurances from multiple representatives that the kit would be mailed to me, nothing has arrived. 

I've also heard that the package was cancelled because my postcode is incorrect ( my postcode is correct and has been used for all AMEX correspondence for the last 9 years ). 

This situation is unacceptable for several reasons : Security Risk. I am left with no secure or compliant way to destroy and dispose of the card. 

Failure of Process. American Express publicly states that cardmembers can request a prepaid recycling kit. 

Customer Frustration. I have spent hours of my own time making phone calls, writing letters, and following up on this matter, only to be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
3 charges appeared on my PAYPAL account within a 7 day period, all from the same merchant/seller. The first 2 were for XXXX XXXX each and the third was for {$29.00}. After numerous emails to PAYPAL they have yet to provide any evidence that I authorized any of those charges. And I received nothing from this company. 

The above referenced charges were all posted by XXXX XXXX XXXX. A company I have no knowledge of or any dealings with. 

The XXXX XXXX charges posted to my PAYPAL account on XX/XX/year> and the charge of {$29.00} posted on XX/XX/XXXX. 

My PAYPAL account has no account number but is identified by my email address which is XXXX and by my phone number XXXX Thank you for looking into these fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was told by RENTRECOVERY that my rental debt was a pay and delete after XXXX days and this was over a year ago and its still on my credit report. I have called them and they have told me there is nothing they can do even though it is in writing.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
This is a XXXX XXXX Block Request under FCRA XXXX. I am requesting permanent blocking of the accounts listed in my attached letter. These items are the direct result of trafficking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
Please act in accordance with 15 U.S. Code 1681g and remove the disputed accounts within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I did not receive my XX/XX/XXXX BJs Capital One Credit Card Bill via XXXX Mail I payoff my card every month in full I call in my payments after CapitalOne stopped sending return envelopes XX/XX/XXXX - XX/XX/XXXX XXXX {$180.00} 19.6 % INT {$3.00} XX/XX/XXXX - XX/XX/XXXX XXXX {$150.00} 19.6 % INT {$2.00} Total Interest Charged {$5.00} I called Capital One when my bill did not arrive and paid my balance in full and the rep waived the fee. Today, I received my XXXX statement and see a total interest charge of {$5.00}. A charge that compounded from XXXX into XXXX. Are there any protections in Reg Z here? What are the rules about componding interest over time when the consumer was never billed in the first place? The bill clearly states " We reserve the right not to assess interest charges. '' Yet, XXXX Account XXXX XXXX XXXX on XXXX seperate calls on XX/XX/XXXX ) - stated he could not, tried to talk over me and refused to escalate my complaint to his supervisor ( or the Reg Z legal people on my XXXX call ). Does this practice meet the Truth in Lending consumer credit guidelines of a standardized, transparent way to promote informed decision-making and protect consumers from unfair practices? Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
XXXX said : Perfect, now that you clarified this is for the CFPB What Happened section, heres a clean draft you can paste in : What Happened I submitted a complete FTC Identity Theft Report package on XX/XX/year>, which the bureaus received on XX/XX/year>. Under FCRA 605B, they were required to block the fraudulent tradelines within XXXX business days ( deadline : XX/XX/year> ). 

Instead, they failed to block the items and later responded that the information was verified as correct without providing any supporting documentation. This is a direct violation of the XXXX block requirement under XXXX. 

Since the bureaus are continuing to report these charge-off accounts, I now request, under FCRA 609 ( a ) ( 1 ) ( A ), the following : The original signed applications, contracts, or instruments used to establish these accounts. 

Documentation of the procedures and steps taken to verify the accounts after I submitted my FTC Identity Theft Report. 

If they can not produce the original documentation or show the verification procedure, then the accounts must be permanently deleted as unverifiable. 

accounts being XXXX XXXX and avant

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to you in reference to an issue with Bankof America Rewards. Hoping you can help. I have attached my correspondencewith Bank of America. As I have stated in my letters to Bank of America I was never notified of a missed payment, cancelation of any account and forfeitureof reward points. I believe this decision was made on the fact that I had XXXX points and they just wanted to revoke them. I have been a credit card holder for over 10 years and have paid my card monthly. Missed a {$28.00} payment due to oversight of mine but was never notified of a missedpayment, no email, no notification of any sort, and they lowered my credit to {$1000.00} and revoked my XXXX reward points. These points were earned over years of payments not {$28.00}. I would like my points returned. I was told once they close out they can not return my account. I also asked for email addresses of top executives and was told they don't have email, hard to believe Bank of America doesn't have email. So I mailed a letter copy attached. Also went online to research emails and found some emails but did not get a response from them. I received a call from XXXX XXXX who stated she was the top person to contact. Then received a call from XXXX who also claimed to be the top person. Both gave me the same scripted statement that once the account is closed nothing can be done. As you can see from the attached letter I received from Bank of America no place in the letter does it state the account was closed just states the credit was reduced. I asked for a copy of correspondencethat they sent regarding this situation but they were not able to produce anything. 
I am hoping you can help to rectifythis issue and return my rewards points. 
Thank you in advance XXXXXXXX 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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
THIS IS RIDICULOUS. THERE'S NOT ANY LEGITIMATE BANKING ORGANIZATION OR CREDIT UNION THAT WOULD HOLD A LEGITIMATE MONEY BEARING CHECK FOR XXXX DAYS. THE ORIGINAL CHECK WAS DRAWN ON THE XXXX XXXX  AND WAS ISSUED BY THE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD. THE CHECK WAS ISSUED TO ME AND MY WIFE. XXXX XXXX XXXX AND MY WIFE " XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$71000.00}. UPON RECEIVING THE CHECK FROM THE AFOREMENTIONED LAW FIRM, THE CHECK WAS PRESENTED TO THE XXXX XXXX  FOR CASHING. THE XXXX  XXXX  STATED THAT DUE TO THE AMOUNT OF THE CHECK THAT THE XXXX XXXX  COULD ONLY ISSUE {$12000.00} IN CASH AND REST OF MONEY WOULD BE ISSUED BACK TO ME AND MY WIFE AS A CHECK IN THE AMOUNT OF $ XXXX SUCH, ME AND MY WIFE WERE ISSUED ANOTHER CHECK THAT WAS DRAWN ON THE XXXX XXXX  FOR THE AMOUNT OF : {$59000.00}. PRIOR TO DEPOSITING MY SHARE OF : {$59000.00} WHICH EQUALED TO {$29000.00}, ASKED THE NFCU INDIVIDUAL TELLER THAT WAS EXECUTING THE CHECK DEPOSIT FOR ME AND MY WIFE, IF MY SHARE OF THE {$29000.00} WOULD BE AVAILABLE TO ME ( XXXX XXXX XXXX ) ON XXXX XX/XX/year>. THE NFCU INDIVIDUAL TELLER THAT WAS EXECUTING THE CHECK DEPOSIT, " STATED YES. '' ALBEIT, NOW I'M BEING TOLD THAT NFCU IS GOING TO HOLD THIS CHECK FOR AN ADDITIONAL XXXX DAYS. THIS IS AN UNHEARD OF AND PREJUDICE ACTION. I WILL NOW ASK A HIGHER AUTHORITY TO LOOK INTO THIS XXXX AND PREJUDICED NFCU DECISION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly ensure these disputed entries are removed within 15 days in line with 15 U.S. Code 1681XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
have XXXX different same card from the company and none of card shows balance nor able to use instore or online.

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