vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/year> Placed order with XXXX XXXX for 2 dresses. Returned 1 dress on XX/XX/year>. Second dress never received, so XXXX XXXX processed return on XX/XX/year>. Never received credit card statements indicating charge or refund. When visit site online, indicates that I have no statements for 12 months. 

In XXXX, received 2 phone calls from Ohio phone number saying that I owe {$30.00} and can provide my bank details over phone for payment. Told them that I confirmed online that I have no balance. 

XX/XX/year> Received email from XXXX XXXX ( commenity ) credit card saying that my payment is due XX/XX/year>. Today ( XX/XX/year> ) went online and no balance indicated. Called phone number on card and automated system said that there was {$0.00} balance and that the account was closed and was disconnected. 

XX/XX/year> Called again and spoke with an operator. This time was told that there was a {$41.00} balance. I asked what this was for and asked for statement, which is not available online. Told that it was a {$8.00} fee, interest and late payment fees. Again, told rep that I have no documentation to support this balance/fees. Told that he could not credit the account, as it was closed yesterday ( Sunday, XX/XX/year>XXXX  ) and that I could process a payment with him. 

This is the 2nd credit card that I have had thru Commenity bank ( XXXX XXXX ) where there were issues with their statement generation and transparency. I have closed that account, as well. 

I am asking that the balance, which consists purely of Commenity fees/charges, be credited and account to remain closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate, incomplete, and unverified information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 607 ( b ), and 611 ( a ). I submitted a written dispute to TransUnion requesting the investigation and deletion of multiple inaccurate entries, but they failed to comply with their legal obligations.

Despite my demand for verification and removal, TransUnion continues to report the following harmful, incorrect, or duplicate accounts : XXXX Account # : XXXX Late payments reported without verification or proper documentation XXXX  Account # : XXXX Inaccurate late payments, no contractual validation provided XXXX  Account # : XXXX Reported as charge-off without any cure notice or proof of default XXXX XXXX Account # : XXXX Reported twice : once as charge-off ( XX/XX/XXXX ) and again as late payment ( XX/XX/XXXXXXXX  ) ; this is a duplicate and misleading XXXX Account # : XXXX Charged off with unverified balance and no proper final billing XXXX XXXX Account # XXXX XXXX XXXX XXXX Late payment from a creditor I never engaged with ; likely mixed file or identity issue XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # : XXXX Collection account added without notice or validation as required under FDCPA XXXX Account # : XXXX Another charge-off reported without evidence, appears to be duplicate/misleading XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized hard inquiry XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized hard inquiry XXXX XXXX Inquiry dated XX/XX/XXXX Unauthorized hard inquiry Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX have never lived at this location XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I have no association with this address These inaccuracies are damaging my credit score and preventing access to basic financial opportunities. I requested TransUnion reinvestigate and delete each item listed, but they failed to provide any documentation or conduct a reasonable investigation. As per FCRA 611 ( a ), any item that can not be verified must be removed within 30 days. 

Requested Resolution : I request that the Consumer Financial Protection Bureau initiate an investigation into TransUnions failure to uphold the FCRA and its refusal to remove clearly inaccurate or unverifiable data. I am requesting the deletion of the accounts and inquiries listed above from my credit report, and for CFPB to ensure that TransUnion is held accountable for repeated violations of consumer rights under federal law. 

I am including my dispute letter and supporting documents.

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 2025-07-07 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: KS

Complaint narrative:
My federal student loans were transferred from Great Lakes to Nelnet during the federal payment pause. I was in good standing with Great Lakes and had never missed a payment. After the transfer, I was never properly notified that Nelnet had become my new servicer I did not know who Nelnet was or that they were handling my loans. 
As a result, I missed several low monthly payments ( under {$200.00} total per month ) across multiple loan tradelines. These loans were reported 90 and 120 days late which has severely harmed my credit. Ive since paid the past-due balance and have now set up automatic payments on all loans to ensure this never happens again. 
Ive asked Nelnet to verify when and how I was notified of this transfer, and I still have not received a copy of any notice. I was not given a fair opportunity to pay. I never received a delinquency notice, billing statement, or alert that my loans were past due. I only discovered this issue after it significantly hurt my credit score.

I am not disputing the debt I am disputing the fairness and accuracy of the reporting, given the circumstances. I am currently trying to qualify for a home loan and this is the only negative item on my credit report. I respectfully request that these late payments be removed as a goodwill adjustment, or corrected due to the lack of proper notification during the servicer transition

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding Chase Bank and their handling of a wire transfer involving {$2800.00} USD that was sent in error an error that occurred due to my XXXX, where I accidentally entered one incorrect digit in the account number ( a XXXX instead of a XXXX ). 

I transferred the funds through XXXX on XX/XX/year>, from my XXXX XXXX  account, intending to send the money to myself at my Chase account. Despite the one-digit mistake, the name, reference, and all other information correctly listed me as both the sender and recipient. 

After weeks of being told by Chase that the funds had not been received, I went into a Chase branch in person. There, staff confirmed that : The funds had in fact been deposited into a Chase business account corresponding to the incorrect number I entered.

My name appeared twice in the reference, and the transfer details showed that the funds were from me to me. 

Despite the obvious mismatch between the account holder 's name and the transfer details, Chase accepted and processed the deposit.

When I asked for assistance in recovering the funds, I was told that Chase " can not remove funds from another customer 's account '', even though they had confirmed that all transfer information clearly shows this was a mistake, and I am both the sender and intended recipient.

This situation has caused me significant emotional distress, made worse by the fact that I have XXXX and XXXX. For two months, I was misled and told the money was not received at all. Now that Ive confirmed it is sitting in someone elses Chase account, I am being told nothing can be done. 

I believe this is unacceptable. A single-digit error should not result in {$2800.00} USD being permanently lost, especially when : The funds were clearly marked with my name. 

I am both the sender and intended recipient. 

The mistake was reported immediately. 

The receiving account name does not match the transfer details at all. 

I am asking the CFPB to investigate : Why Chase accepted and processed a transfer with a clear name mismatch.

Why I was told the funds were never received when they were. 

Why Chase is refusing to assist in returning funds that clearly do not belong to the account holder who received them.

This has left me feeling helpless and financially vulnerable, and I now have nearly {$3000.00} held XXXX in someone elses account due to what should have been a correctable and obvious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX different transacts came out of my account on XX/XX/XXXX and XXXX that I did not authorize. I tried to file with my bank and they are saying I authorized these charges and Im not sure how they could say that and they are in different parts of the world in different states

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: UT

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 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My loan was originated on XX/XX/XXXX. My mortgage has escrows of taxes and insurances. My anniversary dates for renewals are XXXX of the actual year. 
In the year XXXX all payments were made accordingly. The following year ( XXXX ) is where everything began. PennyMac made payment to XXXX XXXX in the amount of XXXX. PennyMac claims payment was rejected on XX/XX/XXXX and credited escrow account {$600.00} on XX/XX/XXXX. In XXXX XXXX XXXX was not made in XXXX rather on XX/XX/XXXX ( not anniversary date ) for {$890.00}. On XX/XX/XXXX PennyMac debits escrow account {$3600.00} for flood insurance, then credits escrow account on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX escrow account is debited {$3600.00} for XXXX flood coverage. Pennymac clains the payment was rejected by XXXX on ( XX/XX/XXXX ) I contacted XXXX XXXX and they show no payment received from PennyMac. I requested letters from XXXX to confirm the correct address and loan number was submitted for payment and they provided supporting documentation. 
I have requested in writing and in conversation with Customer Service, Escrow Dept and insurance dept proof of rejection and have been advised they can not and will not forward to my attention. It is common knowledge that if payment was rejected it was due to an error by the sender and the receivers bank rejects automatically. PennyMac did not show a diligent effort in XX/XX/XXXX in finding out why payment was rejected and can provide no documentation to justify charging me a year later an exaggerated amount for coverage that is causing me unnecessary hardship in making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX 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, Balance : {$1700.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is an update to my previous complaint Jefferson Capital responded however, This account is allegedly tied to XXXX, Secondly XXXX officially shut down in XXXX  due to a full merger with XXXX XXXX and XXXX longer operates as a creditor. XXXX XXXX has failed to provide any legal proof that they obtained the debt from XXXX or that XXXX legally assigned it to them. 

Since the original creditor no longer exists and no documentation has been provided to validate ownership or assignment, I am requesting full deletion of this account from all credit bureaus, and that Jefferson Capital immediately cease collection efforts. This debt remains unvalidated, and its reporting may be inaccurate or illegal under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} 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, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$890.00} 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, Balance : {$370.00}

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NC

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

Company response to consumer: Closed with explanation