vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 14 late payment entries from Nelnet and the Dept of Education, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi there, Cash app has taken out {$2700.00} from my bank account on XXXX XXXX. It showed up as a failed transaction on cash app but THE MONEY IS GONE FROM MY BANK ACCOUNT for months now. Ive tried my hardest to fight this with my bank account first to see if they could try to help me resolve it before coming to cash app for help but my bank account closed my account. They closed my bank account because they said because of my complaint and dispute with the {$2700.00} transaction that was taken out of my account by CASH APP, my account was risky and it was going to be closed. It has since been CLOSED officially. The {$2700.00} charge never dropped from my bank account and was officially taken out of my account. I lost {$2700.00} because of cash app. Cash app has not been any help and has dismissed me several times and just basically told me to move on because they arent going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally report that I am a victim of identity theft. Upon recently reviewing my credit report, I discovered that my personal information including my Social Security number, date of birth, and other sensitive details was illegally obtained and used to open fraudulent accounts with XXXX XXXX XXXX XXXX XXXX XXXX ) and SYNCB/Car Care XXXX. 

I was one of the victims affected by the XXXX XXXX data breach, which exposed my personal information. As a result, multiple accounts have been fraudulently opened in my name without my knowledge or authorization. 

These unauthorized accounts have led to fraudulent charges and collections reported on my credit, which have severely impacted my credit standing. This situation has caused immense stress and financial hardship for me and my family. I have even been sued by collection agencies and had to appear in court regarding accounts I did not open. 

The fraudulent accounts I have identified so far include : SYNCB/Car Care XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have filed a police report with my local law enforcement agency and have also submitted disputes to the credit reporting agencies and individual creditors. Despite my efforts, my requests for removal of these fraudulent accounts have not been honored, and they remain on my credit file. 

I respectfully request the CFPBs assistance in investigating this matter and helping to ensure that my identity and financial records are protected moving forward. The emotional and financial toll this situation has taken is substantial, and I urgently need your support. 

Please let me know if additional documentation is needed. I am prepared to provide my police report, credit reports, and any other information necessary to support my claim. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-04-24 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: CA

Complaint narrative:
I am formally disputing this list of fraudulent inquiries, which I did not authorize. These entries are unauthorized, deceptive, and constitute a clear violation of my rights. I demand their immediate removal from my record and expect swift corrective action. Failure to resolve this matter promptly may result in legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing this list of fraudulent inquiries, which I did not authorize. These entries are unauthorized, deceptive, and constitute a clear violation of my rights. I demand their immediate removal from my record and expect swift corrective action. Failure to resolve this matter promptly may result in legal escalation.

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 2025-04-24 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: TX

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding multiple inaccurate, unverified, and unauthorized accounts still being reported on my credit file. I am extremely disappointed by the lack of resolution and immediate action taken in response to my initial request. 

XXXX XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * Experian XXXX. XXXX - XXXX * * * * XXXXXXXX XXXX XXXX XXXX  XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * XXXX. XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX - XXXX * * * * TransUnion XXXX. XXXX - XXXX * * * * XXXX. XXXXXXXX XXXX - ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX * * * * XXXX. XXXX - XXXX * * * * XXXX. XXXX XXXX - XXXX * * * * XXXX. NR/SMS/CAL - XXXX * XXXX * * XXXX. XXXX - XXXX * * * * XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: ID Analytics, Inc.
State: IN

Complaint narrative:
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. 

The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for 20 consecutive months from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is misleading and a direct violation of FCRA Section 1681s-2. 

Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and may artificially extend the reporting period. This is deceptive and violates credit reporting standards.

False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. 

Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. 

These actions constitute 23 separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages.

You are hereby given 15 calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesand provide written confirmation of the deletion.

If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. 

This letter serves as your final opportunity to resolve this matter without legal escalation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime claims that I owe them {$280.00}. When they closed my account I was sent a check with the remaining money from my account ( which took over a month ). I still currently havent the slightest idea as why theyve closed my account. I tried to get my account reopened to settle this dispute and they havent been any help. Theyd even checked my account while we were on the phone ( on a recorded line ) and told me that I didnt owe any money. For some reason they still wont change their reports on my credit which is destroying my score! Ive never had a late payment nor owed anything on this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
Mohela failed to process my loan forgiveness. I am filing this complaint against Mohela due to errors in my student loan account. I noticed that my loan forgiveness date is XX/XX/XXXX. Mohela is reporting that I made 102 payments out of 120 payments to have my loan forgiven. I have worked for a non-profit organization for over 20 years. I have been submitting the PSLF forms signed by my employers to Mohela. The PSLF form shows the dates of employment. Mohela confirmed that both employers qualify for the PSLF program. However, Mohela did not give me all the credits for my previous employer XXXX XXXX XXXX. I was employed by this non-profit agency from XXXX. Mohela approved the employers PSLF. Mohela fail to apply credits from XXXX. That is nearly 3 years of qualifying months that are not being credited. I only need to make 120 payments to qualify for loan forgiveness. Based on the reporting information on Mohela/XXXX XXXX website, my qualifying payment begins on XX/XX/XXXX up to todays date. That is incorrect. My qualifying payment begins XX/XX/XXXX. I have made over 120 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 non-monetary relief
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-24 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have 3 capital one accounts that are reporting the wrong balance and its affecting my utilization. I have attempted to dispute this information with experian and have not been able to place a dispute online or by phone. 

Capital One account number XXXX is reporting an inaccurate balance and inaccurate credit limit. The credit limit on this card is {$500.00} and the balance is {$200.00} Capital One account number XXXX is reporting an inaccurate balance and inaccurate credit limit. The credit limit on this card is {$8800.00} and the balance is XXXX. 

Capital One account number XXXX is reporting an inaccurate balance and inaccurate credit limit. The credit limit on this card is {$2400.00} and the balance is XXXX. 

This information is reflected on my other credit files, however XXXX  has not updated my account information and refuses to my attempts to dispute the information being reported.

Company response to consumer: Closed with explanation