vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I received an email on XX/XX/XXXX about a student loan payment that is 15 days past due and delinquent. I am being charged {$64.00} for the past due amount. I also received an e-correspondence from Nelnet explaining that they did not received my scheduled payment. However, my personal banking account is showing that the withdrawal was made, and posted to my account, in regards to paying said monthly payment. 
So we now have money missing from my bank account, and a student loan servicer claiming to not have received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

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

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 2025-05-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MA

Complaint narrative:
ON XX/XX/year> I OPENED A NETSPEND ACCOUNT. WHEN I CALLED DAYS LATER ASKING WHERE MY CARD WAS I WAS TOLD THAT MY ACCOUNT WAS CLOSED BECAUSE I WAS HIGH RISK ( I HAVE NO IDEA WHAT THAT MEANS AND THEY WOULD NOT SAY ) AND A REFUND CHECKED OF {$50.00} WAS SENT TO ME. WHEN I DID NOT RECEIVE THE CHECK I CALLED AND WAS TOLD THEN THAT AN ELECTRONIC FUNDS TRANSFER WAS SENT TO MY BANK. AFTER SPEAKING WITH MY BANK AND FINDING OUT THEY NEVER RECEIVED THE TRANSFER I CALLED NETSPEND AGAIN. I WAS TOLD THAT THE MONEY WAS NO LONGER IN MY ACCOUNT AND IT WAS SENT TO MY BANK AND THERE WAS NOTHING MORE THEY COULD DO FOR ME. I PLACED 4 ADDITIONAL CALLS AND GOT THE SAME RESPONSE. 

NETSPEND CARD IS IN MY NAME : 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exto Inc.
State: PA

Complaint narrative:
I opened an account up with Atlas, first they said have part of check your deposited in this account. Well that did happen it didn't matter what option you chose it cleared that out and made you deposit your whole check. Then I asked them why was I being double charged on every purchase I made? When you make a purchase they pull the money from your account and even though their is a deposit account and a credit account and this card is only set up to do CREDIT transactions, they still charge you whatever amount they deduct from your deposit account on your credit account. So you're paying for it with existing monies and then being charged with interest again on the credit account. Then when I went to transfer my money out of the account three times after multiple of days of waiting they still had not transferred my money meanwhile still taking money for purchases that they had already deducted from my account. Things do not post on this for up to a week. And because they never allowed me to transfer my money two things bounced in my other account. You will see that all the money I have spent was deducted from the deposit account and then I was also charged on the credit account and had money taken from my account for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, TransUnion, XXXX, and multiple furnishers ( including XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ). 

Despite multiple disputes, an FTC Identity Theft Report, and proof of my identity, these companies continue to report fraudulent and inaccurate accounts. My XXXX report previously showed three different SSNs tied to my file ( not mine ), which were later removed. This proves identity theft has occurred. Still, these accounts remain and have severely damaged my credit profile.

Violations include : FCRA 605B Failure to block fraudulent tradelines within 4 business days FCRA 611 Re-insertion of deleted data without notice FCRA 623 Inaccurate reporting by furnishers FDCPA 807 Re-aging and misrepresentation of debt XXXX reinserted a deleted account under a new tradeline. A {$50.00} collection reappears yearly. XXXX XXXX XXXX  is falsely reporting a collection even though my utility account is active and in good standing. 

I have been denied housing, subjected to predatory loans, and harmed emotionally and financially. I demand the permanent deletion of all fraudulent and misrepresented accounts. 

I am attaching : FTC Identity Theft Report My government-issued ID XXXX report showing fraudulent SSNs Screenshots of all accounts in question

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 2025-05-10 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: CA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, TransUnion, XXXX, and multiple furnishers ( including XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ). 

Despite multiple disputes, an FTC Identity Theft Report, and proof of my identity, these companies continue to report fraudulent and inaccurate accounts. My XXXX report previously showed three different SSNs tied to my file ( not mine ), which were later removed. This proves identity theft has occurred. Still, these accounts remain and have severely damaged my credit profile.

Violations include : FCRA 605B Failure to block fraudulent tradelines within 4 business days FCRA 611 Re-insertion of deleted data without notice FCRA 623 Inaccurate reporting by furnishers FDCPA 807 Re-aging and misrepresentation of debt XXXX reinserted a deleted account under a new tradeline. A {$50.00} collection reappears yearly. XXXX XXXX XXXX  is falsely reporting a collection even though my utility account is active and in good standing. 

I have been denied housing, subjected to predatory loans, and harmed emotionally and financially. I demand the permanent deletion of all fraudulent and misrepresented accounts. 

I am attaching : FTC Identity Theft Report My government-issued ID XXXX report showing fraudulent SSNs Screenshots of all accounts in question

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 2025-05-11 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 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 2025-05-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These Inquiries on my Transunion Credit report i did not do or inquiry. This was an attempt to get credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed a non-descript {$10.00} " Transaction Fee '' charged to my Chase Freedom credit card. No further details were given for what the fee was for or why I had been charged in both my Chase app or on the website. And there was no option to dispute the charge. 

On XX/XX/XXXX, I discovered two new {$10.00} " Transaction Fees '' applied to the same Chase Freedom Card. Once again, neither had any details giving any context for what these related to or what I had done to accrue {$20.00} in fees. 

I called Chase 's support line, and when I asked about what those fees were about, I was informed these was " cash advance '' fees related to XXXX transactions I'd made. Each of the XXXX XXXX transactions were between $ XXXX {$30.00} to pay friends back for restaurant bills we split, and each came with a hidden {$10.00} fee. I've used XXXX in this way for years without transactions being counted as " cash advance transactions '' and had no indication that that's how they would be counted, or that I would now be getting these huge fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 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 2025-05-10 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:
I am submitting this complaint against Experian, Equifax, TransUnion, XXXX, and multiple furnishers ( including XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ). 

Despite multiple disputes, an FTC Identity Theft Report, and proof of my identity, these companies continue to report fraudulent and inaccurate accounts. My XXXX report previously showed three different SSNs tied to my file ( not mine ), which were later removed. This proves identity theft has occurred. Still, these accounts remain and have severely damaged my credit profile.

Violations include : FCRA 605B Failure to block fraudulent tradelines within 4 business days FCRA 611 Re-insertion of deleted data without notice FCRA 623 Inaccurate reporting by furnishers FDCPA 807 Re-aging and misrepresentation of debt XXXX reinserted a deleted account under a new tradeline. A {$50.00} collection reappears yearly. XXXX XXXX XXXX  is falsely reporting a collection even though my utility account is active and in good standing. 

I have been denied housing, subjected to predatory loans, and harmed emotionally and financially. I demand the permanent deletion of all fraudulent and misrepresented accounts. 

I am attaching : FTC Identity Theft Report My government-issued ID XXXX report showing fraudulent SSNs Screenshots of all accounts in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
Let me be very clear I never gave this company permission to pull my credit. I did not apply for anything, I did not authorize any inquiry, and there was absolutely no permissible purpose under the Fair Credit Reporting Act for this access. This inquiry is unauthorized and, frankly, fraudulent.

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 2025-05-10 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : Self Employer Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear XXXX LVNV, XXXX I am writing to formally dispute inaccurate information appearing on my credit report. The item in question relates to a debt originally reported by [ Original Creditor Name ] and currently reported by [ Debt Collector Name ]. 
Accounts in Question : Original Creditor : XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Status : Charged Off / Closed Debt Collector : LVNV Funding Account Number : XXXX Status : Collection Dispute Summary : The two entries reflect conflicting dates, including different/NO original delinquency dates and inconsistent account timelines. 


Neither entry provides a clear " Date of First Delinquency ( DOFD ), '' which is required under the FCRA, specifically 605 ( c ).

The absence of accurate delinquency dates may improperly extend the reporting period beyond the 7-year limit, and this could be considered unlawful re-aging of the debt.

Requested Action : Please investigate and remove any inaccurate, incomplete, or unverifiable information. 


Ensure that the Date of First Delinquency is accurately reported and consistent across all tradelines. 


If the accounts can not be verified or corrected, they must be deleted from my credit report under FCRA guidelines. 


I have included a copy of my government-issued ID and a utility bill as proof of identity and address. 
Please respond within 30 days, as required by the Fair Credit Reporting Act. I would appreciate written confirmation of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation