vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding multiple unauthorized transactions on my Chase checking account made through XXXX. These transactions were not authorized by me, and I believe they may have been made by someone who had temporary access to my phone. Upon noticing these charges, I immediately contacted
Chase and filed a dispute. Despite providing the necessary information and explaining that I did not authorize these purchases, Chase denied my dispute after their investigation.

These unauthorized charges have placed a financial burden on me, especially as I am currently pursuing my XXXX and need these funds for essential coursework and educational expenses.

I have attached documentation outlining the unauthorized transactions as well as the denial letter from Chase. I respectfully request your assistance in reviewing this matter and helping me recover the funds lost due to these unauthorized charges.

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MN

Complaint narrative:
During the pandemic I was not notified that my loan servicer was changing, nor was I given adequate notice that my payments would be resuming, and once they did resume I was not given adequate notice of said change in payments. I have attempted to contact NELNET to rectify this issue, as the subsequent late payment on my credit report dropped my credit score by over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/year> Freedom Mortgage added a 30 day late to my credit bureau reports. Proof was provided, never late. An email was sent to my email address confirming payment of a one-time electronic transfer from my bank account on XX/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 2025-06-24 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: TX

Complaint narrative:
I am a Victim of Identity Theft. Accounts were Fraudulent opened in my Name According to this Law : FCRA SECTION 6O5b of the Fair Reporting Credit Act ( FCRA ) codified as 15 U.S.C.1681c-2, addresses the BLOCKING of information resulting from identity theft. It requires consumer reporting agencies to block information identified by a consumer as resulting from Identity Theft, not later than four ( 4 ) Business days after the consumer provides the necessary Documentation.

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 2025-06-24 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
You are in direct violation of multiple consumer protection laws and I am demanding immediate removal of this account from all credit reporting agencies and cessation of all collection activity.

T

o date, you have failed to provide any legally required written notice of debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). This omission alone invalidates your right to collect or report this debt.

In addition, you have illegally re-aged this account by updating the balance in XX/XX/XXXX, despite no new payment, activity, or written acknowledgment from me. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information known to be inaccurate. 

Further, your own reporting shows no data for XX/XX/XXXX, yet claim the a

ccount was opened and updated that same month. There is also no documented billing cycle or original creditor information, which makes the accuracy of this account highly questionable and unverifiable. You are required under FCRA 611 ( 15 U.S.C. 1681i ) to only report information that is complete and accurate this account fails that standard. Moreover, this debt has been resold, and you can not produce original signed contracts, a full itemized breakdown of the debt, or chain of custody documentation, so you have no legal right to collect or report it. Lastly, if this account is past the statute of limitations for collection or legal action in my state, continuing to threaten or collect on this debt may constitute a deceptive and abusive practice under FDCPA 807 ( 15 U.S.C. 1692e ). DEMAND : Immediate deletion of this account from all credit bureaus ( XXXX, XXXX, XXXX  ) Cessation of all collection activity No further communication unless providing complete validation and confirmation of lawful collection rights Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. I am also prepared to pursue legal remedies for damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MO

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 explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Im writing to formally demand that you update and correct the personal information listed on my credit file. Despite previous requests, outdated addresses, phone numbers, name variations, and employment information are still being reported. I was previously told these couldn't be removed because they were attached to accounts. That is no longer the case. I have confirmed that all my current creditors now reflect my correct and current information. 

Therefore, I am requesting the following be permanently removed : All outdated or incorrect addresses Any name variations that are not my legal name All outdated or unverified phone numbers Any and all employment history The only information that should remain on file is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : Do not report Employment : Do not report Under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 609, and 610, I have the right to dispute and correct inaccurate personal data. Keeping outdated personal information on my report not only misrepresents me but also creates unnecessary barriers in managing my credit profile. This is not a requestit is a legal demand for compliance. 

If any of this information originated from third-party reporting agencies such as XXXX, XXXX, XXXX, XXXX, or others, you are responsible for correcting or instructing me how to dispute with them directly. 

Please provide written confirmation once these corrections have been made. Im attaching a copy of my drivers license and a recent utility bill for proof of identity and address. 

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), and if necessary, further action under FCRA 616 and 617 for willful noncompliance.

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 2025-06-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX , and I am submitting this complaint myselfno third party is involv

ed. Im disputing inaccurate and misleading information on my credit report. Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to assert my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically as delineated in 15 USC 1681 ( a ) ( 4 ), which guarantees my right to privacy and accurate representation of my personal information within my consumer credit report. 
I hereby demand the immediate and thorough deletion of all personal identifiable information from my credit report, with the exception of the following : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I emphasize the urgency of this request, as I am unable to receive any mail or correspondence at any of the addresses currently associated with my credit report. It is imperative that these outdated addresses be expeditiously removed and replaced with the following address to ensure accurate and effective communication. 
Additionally, Im requesting the removal of all information contained within the employer section of my credit report. 
Failure to promptly address and rectify these matters constitutes a direct violation of 15 USC 1681 and its pertinent provisions. 
I anticipate your timely compliance with this request. I expect to receive an updated and accurate credit report reflecting the changes within 30 DAYS, sent to the contact information provided above. Failure to do so may necessitate further action to ensure my rights are fully upheld. 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
This is my third time demanding this one, specific answer : Why were my loans not discharged as the CFPB ruled they should have been when being serviced by XXXX? They repeatedly lie and obfuscate but have not answered this question : Why were they not discharged. I am not talking about the {$250.00} check. These loans should have been completely discharged. WHY WERE THEY NOT? THIS IS A DEMAND FOR A DIRECT ANSWER. I have also uploaded emails from XXXX and entered my SSN so there is no way they can claim " they do not know of my loan '' like they already tried to do. MY LOANS SHOULD HAVE BEEN DISCHARGED DO I SERIOUSLY NEED A LAWYER?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
I am extremely disturbed by your ongoing willful violations of my consumer rights under federal law. The credit report you have provided contains multiple, severe inaccuracies, incomplete reporting, unverifiable data, and clear Metro 2 and FCRA violations.

You are knowingly reporting false and unverifiable information that directly damages my creditworthiness and subjects me to continued financial harm. This is a willful non-compliance of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Failure to reinvestigate disputed information ) 15 U.S.C. 1681e ( b ) ( Failure to maintain maximum possible accuracy ) 15 U.S.C. 1681c-2 ( a ) ( Failure to block fraudulent information ) Metro 2 Data Reporting Standards ( Data integrity, field accuracy, permissible status codes, and reinsertion violations ) Willful re-aging of debt and duplicate reporting in violation of Metro 2 Section 420. 

You have failed to provide independent verifiable evidence to support these entries. You have failed to produce original signed contracts, full chain of custody, or legal validation of liability. Reporting inaccurate, unverifiable, and obsolete data is a direct violation of my rights. 

Personal Information Being Disputed : Incorrect DOB : XXXX Incorrect Employer : XXXX Incorrect Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Names : XXXX XXXX, XXXX XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby demanded to : Permanently DELETE these accounts, collections, inquiries, and inaccurate personal data immediately. 

Cease reporting unverifiable, inaccurate, and non-compliant information. 

Provide full physical documentation validating any remaining entries within the statutory period. 

Mail an updated copy of my credit report reflecting all deletions for my review. 

Failure to comply will result in immediate escalation, including formal complaints to the CFPB, FTC, State Attorney General, and initiation of private legal action under 15 U.S.C. 1681n & 1681o for willful and negligent non-compliance, with statutory damages, punitive damages, and attorneys fees sought in full. 

You have been given more than ample opportunity to lawfully investigate these disputes. Your continued failure to correct these violations demonstrates bad faith and intentional harm. 

I expect your full compliance with this demand within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief