vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is 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
Consumer complaint received 2025-12-29 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 disputing the following accounts listed on my TransUnion credit report as they do not accurately reflect my credit history. I request that these discrepancies be investigated and corrected accordingly. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX SoFi bank restricted my account with my money on the account and i am not able to access it at all which i need to be able to pay my bills in process of getting evicted because i can not get my money. They said there in process of closing my account and they have no reason to but something came up of fraud which they said they do not know what. They said they can not fully close my account until my disputes are canceled or processed until they can close my account to send a check with my money and it can tske up. to XXXX months. I do not have that time to wait. Also the disputes i put in on XX/XX/XXXX that I reported was XXXX  but the agent put in XXXX so i tried to cancelled then and they put in a request on XX/XX/XXXX to cancelled the disputes but it take XXXX hours they still have not cancelled those. Sofi bank need to unrestrict my account so i am able to access my funds as i am getting evicted due to them not allowing me get my money to pay the rest of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
1 ) The error This Notice of Error concerns Rushmores failure to pay property taxes from escrow in a timely manner and/or in the correct amount and manner required, resulting in penalties and a tax lien/tax sale status. This constitutes a covered error, including failure to pay taxes in a timely manner as required by 12 C.F.R. 1024.34 ( a ), and is an asserted error under 12 C.F.R. 1024.35 ( b ) ( 4 ). 

2 ) Summary of facts I have been timely with all mortgage payments, including paying extra amounts. 
On XX/XX/year>, I spoke directly with the XXXX XXXX XXXX XXXX XXXX, which confirmed the following : o A XXXX has been placed on my property and it has been sent to tax sale due to unpaid 2025 XXXX quarter property taxes. 
o The delinquent amount is {$1300.00}. 
o The XXXX confirmed this is the only delinquent balance ; sewer and other township bills are current. 
The XXXX confirmed that Rushmore sent a regular business check in the amount of {$1300.00}, which is : XXXX not the full delinquent amount, and XXXX not the required payment method. The XXXX requires a cashiers check or money order for the full amount of {$1300.00}. 
Because the correct amount was not received by the due date ( XX/XX/year> ), the XXXX placed a lien on the property. 
The XXXX XXXX XXXX stated they can not yet provide the lien amount, because it was placed the morning of XX/XX/year> and has moved to tax sale. They advised XXXX must request a XXXX XXXX XXXX XXXX in the new year to obtain the full redemption amount. 

3 ) Harm caused Due to Rushmores failure to remit the required tax payment properly and timely, my property is now subject to a tax lien and tax sale process, including additional fees, interest, and penalties that would not have occurred absent this servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$610.00} Inquiries : XXXX XXXX, Date : XX/XX/year> Late Payments : XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-12-29 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: GA

Complaint narrative:
I need to stress that this complaint is not a mistake. There are XXXX accounts on my credit report that are being reported inaccurately and are not assured to be reported with maximum possible accuracy as required under 15 USC 1681e ( b ). These inaccuracies have continued to cause significant stress and have negatively impacted my credit and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-12-29 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:
I am writing to dispute the accuracy of certain items on my credit report. Below, I have outlined the accounts in dispute, separated by each credit bureau. I request that you investigate these accounts and correct any errors that may exist. 

INQUIRIES 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 2025-12-29 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I believe these items are being reported inaccurately, and I request that they be investigated and corrected as necessary. Below is the information related to each bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$75.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-29 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 submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies on my credit report. Below are the accounts I am disputing, separated by bureau. I request that these disputed items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the following accounts with TransUnion : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$400.00} Inquiries : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX Late Payments : MOHELA/XXXX XXXXXXXX MOHELA/XXXX  XXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXX MOHELA/XXXX, XXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXXXXXX MOHELA/XXXX XXXXXXXX

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I XXXX XXXX received a settlement check from a lawsuit filed. The settlement check was for {$60000.00} DRAWN OF CHASE BANK, issued by XXXX on behalf of XXXX XXXX XXXX XXXX check number XXXX payable to me XXXX XXXX. I received check at my address via certified mail from the attorney for the insurance company XXXX XXXX on XX/XX/year>. I walked into Chase bank on that same day with two forms of personal id to open a personal checking and my LLC forms and ein to open up a business account in my business name, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Bank location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX opened up both accounts personal account number XXXX and business account number XXXX on that day XXXX. The very next day all funds in the amount of {$60000.00} cleared in the personal account. That day I personally walked into that same branch because account was new and no ATM card withdrew {$9000.00} cash from personal account and the teller transferred the remaining {$50000.00} over the the business to fund business account. No other transactions was attempted on new accounts. 

XX/XX/year> the bank informed me that the accounts both accounts was fully restricted and they decided to close end relationship for no known reason and that there was not a hold on funds but once account was closed in 10 business days the remaining funds would be sent back to me. 

I called Chase XXXX line today to get the status of funds they told me thou they know the funds are XXXX mines and verified they was not going to return my funds and to call back in another XXXX to XXXX weeks,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$200.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$19000.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-12-29 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
What Happened : On XX/XX/year>, an unauthorized electronic transfer of {$500.00} was posted to my XXXX XXXX account. I did not authorize, initiate, or approve this transaction, and I do not know the individual who received the funds. 

Dispute Information : On XX/XX/year> at XXXX XXXX, I received a security alert stating that my XXXX XXXX account had been logged into from a device not on my trusted device list. I did not recognize this activity. 

XXXX XXXX 1 : On XX/XX/year> at XXXX, I received a notification that access to my account had been denied due to suspicious activity, indicating potential unauthorized access. 

XXXX XXXX Suspicious Activity : On XX/XX/year> at XXXX, I received another notification confirming that access to my account was again denied for suspicious activity. 

Suspicious Activity 2 : On XX/XX/year> at XXXX XXXX, I received an additional security alert stating that my account had been logged into from a new, unrecognized device. 

XXXX XXXX 1 : Actions I took XX/XX/year> : I reported the {$500.00} transfer as unauthorized and initiated a dispute with XXXX XXXX 

Dispute Information : XX/XX/year> : I completed and submitted the Customer Dispute Form, confirming I did not authorize the transaction and had not granted permission to anyone else to access my account. 

Dispute Information : Following these events, the account was closed due to fraudulent activity. 

Why I am submitting this complaint : Despite multiple security alerts and access denials showing suspicious and unauthorized account activity, XXXX XXXX  denied my dispute and treated the transaction as valid. I did not authorize the transfer, did not benefit from it, and promptly reported it. 

Pursuant to the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005.11 ), this transaction qualifies as an unauthorized electronic fund transfer and requires reinvestigation and correction, as I did not authorize, initiate, or benefit from the transfer. 

What I want the company to do : I am requesting that XXXX XXXX  : Conduct a full reinvestigation of the unauthorized {$500.00} transfer, and Refund the {$500.00} to me. Because the account has been closed due to fraud, the refund should be issued by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Request for Full Discharge of Student Loans Due to LENDER-Nelnet Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by LENDER-Nelnet due XXXX the XXXX deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 

LENDER-Nelnet misled XXXX by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX has XXXX history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which LENDER-Nelnet has XXXX sued by numerous states and the Consumer Financial Protection Bureau XXXX CFPB ). LENDER-Nelnet conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on LENDER-Nelnet advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation