vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Discover Executive Office of Customer Advocacy XXXX. XXXX XXXX XXXX, DE XXXX Good Faith Settlement Request Account Ending in XXXX To Whom It May Concern, I am writing in reference to the ongoing dispute involving my Discover Card account ending in 3273. After months of correspondence, document reviews, and complaints through the Consumer Financial Protection Bureau ( CFPB ), I am reaching out to propose a resolution in good faith. 

Despite repeated requests, Discover has not provided satisfactory documentation verifying : My electronic agreement or consent to the accounts terms. 
Proof of application origination, including digital records ( IP logs, device ID, or timestamped submission ). 
Any substantive reinvestigation following my most recent disputes. 

I have made every reasonable effort to resolve this matter through the appropriate channels, but it has become clear that continuing this dispute cycle would be exhausting, time-consuming, and costly to both parties. 

In light of this, I am respectfully proposing that we reach a good faith settlement to close this matter. This would include : A mutually agreed-upon resolution of the outstanding balance ( potentially including reduction, forgiveness, or payment in settlement ). 
Written confirmation of closure of the account and credit reporting updates reflecting the resolution ( e.g., Settled Account Closed or deletion where appropriate ). 

My goal is not to avoid responsibility, but to move forward with a resolution that reflects the spirit of cooperation and acknowledges the lack of full transparency throughout this process. 

Please advise if Discover is open to discussing a settlement, and provide the necessary point of contact or procedures for negotiating terms. I am prepared to work swiftly toward resolution and welcome the opportunity to close this file honorably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I received notice from the U.S. Department of Education in XX/XX/year> confirming the full discharge of my student loans related to XXXXXXXX XXXX The Department stated that my loan balances would be corrected, and my credit reports updated within 45 days of the final discharge letter dated XX/XX/year>. 

Despite multiple calls to my servicer ( Nelnet ) and formal complaints, my loans still appear on my credit report with incorrect balances, and interest continues to accrue on unrelated balances while in deferment. Nelnet representatives have stated it could take up to three years to resolve this, which directly conflicts with the Department 's 45-day correction timeline. 

I have requested the accurate balance for loans unrelated to XXXX so I can continue repayment, but Nelnet has been unable to provide this information. I have also requested a transfer of the remaining balance, and they have stated they can not identify the amount until the discharge is finalized. 

I have contacted Nelnet multiple times, filed a complaint with Federal Student Aid, and yet I am still being told it could take three years to complete despite Nelnet and the Department already acknowledging the discharge amount of {$32000.00}.

I am requesting assistance to ensure my account is corrected immediately and that I am able to resume payments on any remaining valid loan balance without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report. Please.

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 2025-04-29 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: MD

Complaint narrative:
As I was in review of my credit report I came across some hard inquiries that are not mine.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is reporting multiple instances of false late payments from XXXX XXXX XXXX ( Account # XXXX ), over 20 occurrences of late payments spanning several months. Despite my repeated attempts to resolve these discrepancies, TransUnion has failed to verify the validity of these late payments and continues to report this information inaccurately. Furthermore, XXXX ( Account # XXXX ) is listed as past due, when no such balance exists. This erroneous reporting is causing significant harm to my credit profile. Given the potential for a data breach, it is likely that these inaccuracies are due to unauthorized access to my personal financial data. TransUnion has failed to conduct a meaningful investigation under 15 USC 1681i, allowing inaccurate information to persist on my credit report.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because TransUnion is reporting two inaccurate and unverified charge-offs on my credit report : XXXX XXXX XXXX ( Account # XXXX, Balance : {$3500.00} ) and XXXX XXXX XXXX ( Account # XXXX, Balance : {$2900.00} ). Despite having disputed these accounts multiple times, TransUnion has failed to properly verify these items, and no legitimate supporting documentation has been provided to substantiate their validity. It's clear that these charge-offs are the result of faulty data reporting, and given the possibility of a data breach that compromised my personal information, I believe these inaccuracies are a direct result of unauthorized access to my data. The inability of TransUnion to act on multiple disputes shows a complete disregard for their responsibility to ensure that only accurate and verifiable information appears on consumer credit reports. This negligence is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, which mandates that consumer reporting agencies such as TransUnion must conduct a thorough reinvestigation of disputed information. Since the items in question can not be verified, they should have been removed from my credit file long ago.

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 2025-04-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XX/XX/XXXXand XX/XX/XXXXregarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Equifax is similarly reporting two inaccurate charge-offs on my credit file : XXXX XXXX XXXX ( Account # XXXX, Balance : {$3500.00} ) and XXXX XXXX ( Account # XXXX, Balance : {$0.00} ). These charge-offs have been disputed multiple times with no response or sufficient verification provided by Equifax. I believe these inaccuracies have been introduced due to a data breach that has exposed my personal and financial information. The continued failure of Equifax to remove these charge-offs or provide any documentation supporting their validity demonstrates a clear disregard for their legal obligations under the FCRA, specifically 15 USC 1681i , which states that when an item can not be verified, it must be removed from a consumers credit file. Equifaxs negligence in this matter not only violates the law but also continues to damage my creditworthiness unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Equifax is reporting multiple inaccurate late payments from XXXX XXXX XXXX ( Account # XXXX ), over 20 instances, as well as XXXX ( Account # XXXX ) as past due. These entries are completely erroneous, and Equifax has failed to provide any legitimate proof or verification of these claims. Given the possibility of a data breach that exposed my personal data, it is likely that these inaccuracies stem from unauthorized access. Equifaxs continued failure to investigate these items properly violates the Fair Credit Reporting Act and its legal obligations to ensure the accuracy of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account Showing Late Payment Remarks when it ; s 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 non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
CashApp support gave me the same run- around and pre-recorded responses that they normally do. This has been an ongoing issue with direct deposits to my account for a year or more. The depositor ( XXXXXX/XX/XXXX ) validates via email that the transaction has been made and the bank Cash App ( XXXX XXXX XXXX XX/XX/XXXX) claim to not have received deposit. After filling a complaint, the bank will give automated responses claiming they do not hold funds and have no record of said deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear Goldman Sachs Bank USA, I am writing to express my continued good faith and willingness to resolve the outstanding Apple Card account ( under my name, XXXX XXXX XXXX. As you are aware, I have made multiple attempts to obtain proper validation of the reported balance as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated requests, I have not received : A signed or electronically acknowledged agreement confirming the original terms ; A detailed itemized breakdown explaining the total balance of {$12000.00} ; Supporting documentation beyond generic billing statements that do not fully validate the accuracy of the reported amount. 

At this point, I have exhausted all reasonable avenues to resolve this matter, including formal complaints through the Consumer Financial Protection Bureau ( CFPB ). These efforts have yielded only repeated, generalized responseswithout fully addressing the specific deficiencies raised in my dispute. 

To bring this matter to closure, I am formally requesting a good faith settlement of the account balance. I am willing to resolve the matter with a mutually agreed lump-sum settlement, contingent on the account being reported as Paid in Full or Settled Account Closed and marked as Resolved with the credit bureaus. 

Please advise if your team is open to discussing a settlement resolution. I am more than willing to cooperate and bring this matter to a close, but I am unable to move forward without acknowledgment of the reporting and documentation concerns I have raised. 

I look forward to hearing from you or your legal team at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX I did a mobile deposit of a check for {$4500.00}. The check was drawn against my account at XXXX XXXX  and to be deposited to my account at Chase. On XX/XX/XXXX ( Monday ) I checked the account and saw that there was a hold on the check until XXXX. I called Chase at XXXX and spoke to " XXXX ''. She told me that there was no hold on the check and because it was deposited over the weekend, it would clear at midnight. This morning ( XX/XX/XXXX ) I checked the account only to find that it still had a hold. I called the same number and spoke to a " XXXX ''. I was told they have not seen it clear, so they would not release the funds until doing so. I then explained to XXXX that I had signed into my other account and see that the check cleared yesterday ( XX/XX/XXXX ). His response was " I can not take your word on that ''. After another explanation that I see the check cleared and we live in an electronic world, there is no reason he can not see this. Needless to say, I got nowhere with him. 
Chase is holding my funds, floating for their benefit and wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

UNAUTHORIZED INQUIRIES : 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 2025-04-29 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial XXXX, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-04-29 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief