vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I disputed 3 charges with the merchant as below XXXX ( XX/XX/year> ) {$100.00} - Missing item from package merchant instructed me to dispute with bank XXXX XXXX ( XX/XX/year> ) {$180.00} - returned items received no credit XXXX  ( XX/XX/year> ) {$130.00} - returned items received no credit XXXX XXXX XXXX ( XX/XX/year> ) {$180.00} - returned items and did not receive full credit XXXX XXXX ( XX/XX/year> ) {$140.00} - Package never arrived and merchant would not reply back to my messages. Bank closed claim same day and did no investigation The bank closed all either same day or within 2 business days. I asked the reasoning why and they said they could not help me and I would need to contact the merchant. I already did and had no luck which was why I contacted the bank. They did no investigation and refused to provide documents from the investigation as to why it was closed and claimed they could not verbally tell me the reasoning why the case was closed over the phone either. I provided the bank with the return tracking info for all return packages for your the transactions to prove i sent the items back and they were received by the merchant and that the merchant still had not credited me back in accordance with their return policy. The bank said they needed more info I asked what more can i provide aside from return tracking info and my bank statements that show no credit being returned and the representative continued to say I dont know contact the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/scrub> 2025, my federal student loans with Nelnet were reported inaccurately : {$1500.00} subsidized and {$3300.00} unsubsidized. One account showed -20 % paid, which is incorrect. I previously enrolled in a school that misrepresented its accreditation, and I have filed a Borrower Defense claim with the U.S. Department of Education. Despite multiple disputes with XXXX  ( most recently XX/XX/year>2025 ) and repeated contacts with Nelnet, the inaccurate reporting remains. The account status should reflect that the repayment obligation is disputed and under federal review. This incorrect reporting is damaging my credit and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX I was expecting a {$20.00} deposit from Cash App into my account. Cash App claims the deposit was made and provided trace number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> I contacted my bank and it was confirmed that no deposit with that tracking number was ever received, and no matching transaction exists for that date or any other date.

This is a failed and missing transaction. They pretended to launch an investigation and closed it immediately saying it was sent to my bank and that its up to my bank to refund me when my bank never received it and I even checked my account before all this and it never deposited. But the employee from cash app said I was confused and continued to say it was in my bank and then when I said it wasnt she apologized for giving me the wrong information and then quickly in the next message said it was in my bank and she closed my case without asking me.

Details : Amount : {$20.00} Sender : Cash App / Block Inc.

Claimed deposit date : XX/XX/XXXX XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also have screenshots from Cash App and my conversation records for reference. The whole time they were claiming it was sent because it says it was on their end but it was not and they werent really seeming to care or listen, even on the phone when I called. There was no supervisor to talk to and they said theyll just reach out to me through email then said I couldnt report the employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: LA

Complaint narrative:
My construction loan with United Wholesale Mortgage ( Loan # XXXX  ) is being wrongfully placed into default in ~48 hours. 

On XX/XX/year>2025, I made full XX/XX/year>2025 payment in the exact amount set by their escrow analysis. This payment cleared my bank account. UWM has acknowledged that my online account was showing an incorrect inflated payment amount after that, which prevented my from making XX/XX/scrub> 2025 payment.

I have provided proof of payment and have been in regular contact with their
representatives, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX # XXXX ) and XXXX XXXX . Despite acknowledging their error, UWM has left my account showing as delinquent and has reported a late for XXXX to the credit bureaus, effectively dropping my credit score XXXX points and leaving no chance of moving from construction loan to perm.

The company is now allowing the loan to go into default in 48 hours, which will : 1. Destroy my credit.

2. Jeopardize my ability to refinance or convert this construction loan to permanent financing.

3. Potentially result in foreclosure despite timely payment and their internal admission of error.

This is Formal Notice of Error under RESPA and a dispute under the Fair Credit Reporting Act ( FCRA ). I am demanding that UWM immediately : - Freeze any and all default action while this dispute is investigated - Correct my account to reflect accurate payments.

- Remove all late fees and false credit reporting.

- Extend my construction loan term by at minimum 6 months to compensate for the time lost due to their error.

I am requesting the CFPB 's assistance in forcing UWM to immediately stop the wrongful default and correct my account before irreversible harm is done. This is an URGENT MATTER requiring same-day action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 informa
tion, 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 2025-08-13 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:
to whom it may concern, there is fraudulent information on my report I am a victim of the EQUIFAX data breach and this account dont belong to me.

per USC 1861c-2 and 605 I am demanding that you block and delete this account its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated and willful failure to remove fraudulent inquiries and inaccurate personal information from my credit reports, despite my full compliance with the Fair Credit Reporting Act ( FCRA ).

This is the sixth month in a row that I have attempted to resolve this matter directly with the bureaus. Each time, I have submitted all documentation required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including : Identity theft affidavit Police report Drivers license Social Security card Proof of current address Under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ), the bureaus are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation. They have not done so.

The fraudulent and inaccurate information I have been disputing includes : Incorrect Personal Information : Previous address : XXXX Lake XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX 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/year> I have personally submitted every dispute myself, as clearly stated in each letter I have sent for the past several months, yet the bureaus continue to falsely claim that an unauthorized third party was involved. This is untrue, misleading, and appears to be an attempt to avoid compliance. 

The bureaus have : Ignored my prior disputes and documentation. 

Continued to report fraudulent and inaccurate information to third parties.

Failed to remove or block the disputed items as required by law.

Refused to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

This ongoing refusal to correct my file is causing continued harm to my creditworthiness and financial standing. I am requesting that the CFPB take enforcement action to :

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated and willful failure to remove fraudulent inquiries and inaccurate personal information from my credit reports, despite my full compliance with the Fair Credit Reporting Act ( FCRA ).

This is the sixth month in a row that I have attempted to resolve this matter directly with the bureaus. Each time, I have submitted all documentation required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including : Identity theft affidavit Police report Drivers license Social Security card Proof of current address Under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ), the bureaus are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation. They have not done so.

The fraudulent and inaccurate information I have been disputing includes : Incorrect Personal Information : Previous address : XXXX Lake XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX 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/year> I have personally submitted every dispute myself, as clearly stated in each letter I have sent for the past several months, yet the bureaus continue to falsely claim that an unauthorized third party was involved. This is untrue, misleading, and appears to be an attempt to avoid compliance. 

The bureaus have : Ignored my prior disputes and documentation. 

Continued to report fraudulent and inaccurate information to third parties.

Failed to remove or block the disputed items as required by law.

Refused to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

This ongoing refusal to correct my file is causing continued harm to my creditworthiness and financial standing. I am requesting that the CFPB take enforcement action to :

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-08-13 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: GA

Complaint narrative:
This complaint is submitted against Experian for continued reporting of inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).

Disputed Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : - 15 USC 1681i Failure to conduct a proper reinvestigation - 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy - 15 USC 1681b Lack of permissible purpose These items remain on my credit report without proper validation or proof of permissible purpose. I have requested a manual investigation, not via the automated e-OSCAR system. I am requesting the removal of these accounts and a full investigation with proper documentation provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
Remove immediately the fraudulent account listed below from my TransUnion credit report. This account was previously deleted after my dispute for being inaccurate and the result of fraud, and it does not appear on my XXXX  or XXXX  reports. Its reinsertion is a direct violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Original Report Date of Removal : XXXX Date of Reinsertion by TransUnion : XXXX Balance Reported : {$190.00} Original Creditor : XXXX XXXX XXXX XXXX Background : On XX/XX/ 2025, I disputed this account with TransUnion because it was fraudulent and contained false information. After review, TransUnion removed it from my credit report on XX/XX/ 2025. 
However, on or about XX/XX/2025, TransUnion reinserted the same fraudulent account without proper verification or the required written notice. This action is illegal under the FCRA and especially concerning since the account does not appear in any other credit bureau, proving it is not valid. 

FCRA Violations by TransUnion : Section 611 ( a ) ( 5 ) ( B ) Reinsertion of deleted information without certification from the furnisher verifying its accuracy. 

Section 623 ( a ) ( 3 ) Failure to correct and update information, leaving the original inaccuracies.

Section 611 ( d ) Failure to notify me in writing within five ( 5 ) business days of the reinsertion.

Section 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

Harm Caused : Damage to my credit score and creditworthiness.

Loss of financial opportunities, including potential mortgage approval. 

XXXX XXXX  and significant time spent addressing this unlawful action. 

Demand for Immediate Action : Immediate removal of this fraudulent, reinserted account from my TransUnion credit report.

Written confirmation that it has been deleted and will not be reinserted without full compliance with the FCRA.

Full investigation into why this reinsertion occurred in violation of federal law.

Assurance that my rights as a consumer will be upheld. 

Compensation for damages caused by this unlawful reporting. 

Please confirm receipt of this complaint and notify me of the actions taken. I expect full compliance with FCRA timelines.

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