vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: CA

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXX PM, I attempted my first wire transfer from my Chase checking account to my Robinhood brokerage account, which I had previously funded multiple times via ACH. Instead of contacting me to verify the transfer, Chase blocked the wire and effectively locked me out of my account without warning beforehand, leaving me digitally unable to access my funds. 

A Chase representative later stated that my account was not technically closed, but functionally it was inaccessible. This prevented me from executing a time-sensitive investment strategy involving options contracts on XXXX XXXX XXXX XXXX XXXX ). I had placed a {$4.00} limit order for the XX/XX/XXXX {$34.00} strike XXXX call option, which briefly reached {$4.00} around noon, a price I was prepared to accept, especially given my trading history of buying XXXX options when the stock was higher. I was unable to execute the trade to purchase multiple options between XXXX and XXXX on that day due to the blocked wire and the loss of account access. 

I also intended to purchase the XX/XX/XXXX {$34.00} strike XXXX  option, which was priced at {$1.00} at XXXX, nine minutes prior to the time of the wire block, and rose to {$7.00} by XX/XX/XXXX at XXXX PM, peaking at {$8.00} by XXXX PM. I have documented sales of similar XXXX options during that same timeframe, further validating both the timing and intent of these missed trades. These were not speculative positions, but part of a consistent, ongoing strategy Ive employed in XXXX contracts. 

I had {$3700.00} blocked in the wire transfer. Had the funds cleared, I would have split the amount evenly between the two options. Based on pricing at the time, I could have purchased four contracts of the XX/XX/XXXX option and thirteen contracts of the XX/XX/XXXX option. The price increases in both contracts represent a missed gain of approximately {$12000.00}, supported by screenshots and transaction records, including evidence of intended purchases at the time of the first attempted wire, and sales of similar XXXX options during the final XXXX minutes of open trading on XX/XX/XXXX. 

I initially requested {$1500.00} in goodwill compensation. However, given the direct, documentable financial harm now well exceeding {$10000.00}, I am formally requesting {$8500.00} in goodwill compensation as a reasonable resolution. Despite multiple attempts to resolve this directly with Chase, including a call and voicemail from their XXXX support team confirming that no compensation would be offered, this matter remains unresolved. I am seeking formal review and appropriate compensation through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Incomplete Account History and Discrepancy in Balance Nelnet Federal Student Loan Details : I am filing this complaint regarding my federal student loan serviced by Nelnet. I have requested a full and accurate payment and interest history on XX/XX/XXXX. Although I recently received a partial response ( XX/XX/XXXXXXXX  ), several serious issues remain unresolved : Incomplete Interest History : Nelnet did not include any interest accrual information after my last payment in XX/XX/XXXX, even though I have not made any additional payments since then and the balance has increased significantly. 
Balance Discrepancy : The documentation they sent states that my final amount due was {$18000.00}, yet my current account shows a balance of over {$30000.00}. I have not received any clear explanation or breakdown of how that balance was calculated. 
I Have Overpaid My Original Loan : According to my records ( and the account summary ), I have paid over {$66000.00} on this loan {$51000.00} toward principal and {$15000.00} toward interest. This is more than the original amount borrowed, and yet Nelnet claims I still owe a large sum. 
Lack of Transparency : I specifically asked for a full transaction and amortization history, including how interest and fees were calculated. They have not provided this, despite acknowledging my request. 

When reviewing the documents that they did send to me I noticed that my forbearance was started and ended multiple times so that I could be charged interest. According to official guidance from the U.S. Department of Education, interest on federally held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX, as part of the emergency relief measures under the CARES Act and subsequent extensions. However, upon reviewing my loan records, I have identified interest charges that were posted to my account during this time period. 

This situation has caused financial and emotional stress, and I am seeking resolution and accountability. 
Loan Servicer : Nelnet Loan Type : Federal Student Loan My Role : Borrower Account No. ( if applicable ) : XXXX XXXX  : response from Nelnet on my request for a detailed outline of the loans repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: DE

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT PLEASE REMOVE, THESE ACCOUNTS FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/, Balance : {$0.00}

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 2025-06-26 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
After reviewing my records, I believe this late payment is inaccurate because the payment made on XX/XX/year> and XX/XX/year>XXXX  is inaccurate, payment was made on time, Please investigate this matter and verify the accuracy of this entry. 
Under the Fair Credit Reporting Act ( FCRA ), I request that you promptly conduct an investigation and correct or remove any inaccurate or unverifiable information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that this late payment has been corrected or removed.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures.  XXXXXXXX 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 2025-06-26 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-26 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: NV

Complaint narrative:
Formal Dispute of Late Payments XXXX XXXX XXXX ( XXXX ) Account I am writing to formally dispute the accuracy and validity of late payment ( s ) reported on my credit report in connection with the XXXX XXXX XXXX ( XXXX ) auto loan account. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my legal right to dispute information that I believe is inaccurate, incomplete, or can not be verified. The late payments entries associated with this account are erroneous and damaging to my credit profile.

The following legal statutes support my dispute : FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to conduct a reasonable reinvestigationof any disputed item within 30 days and remove or correct any information that is inaccurate, incomplete, or unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Prohibits furnishers of information from reporting information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

FCRA 602 ( A ) : States that consumer reporting agencies must ensure maximum possible accuracy of information contained in consumer reports.

This letter is a formal demand that your agency and XXXX XXXX XXXX fully verify the accuracy of the reported late payments. If you are unable to produce written documentation bearing my signature and showing that these late payments were reported accurately and in compliance with federal law, then the items must be permanently deleted from my credit report. 
Additionally, if you fail to provide documentation verifying these late payments within the required timeframe, it will constitute a willful and negligent violation of the FCRA. Should this occur, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I will also pursue all legal remedies available to me, including monetary damages under FCRA 616 ( civil liability for willful noncompliance ).

I have enclosed a copy of my credit report highlighting the disputed entry. Please provide a written response confirming the outcome of your investigation. 
Action Requested : Immediately remove all late payment notations reported by XXXX XXXX XXXX ( XXXX ) from my credit file. 
Send written confirmation of deletion to the address above. 
Provide updated copies of my credit report reflecting the corrected information. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for materially inaccurate, incomplete, and misleading reporting of a dismissed eviction case that includes a falsely inflated balance and omits critical legal context, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The eviction case was filed in XXXX XXXX, XXXX in XXXX  and was disposed with a limited monetary judgment. Despite this, the reporting agency : Failed to list the actual judgment amount rendered by the court Reported an inflated balance that is nearly double the court-ordered judgment Included charges related to normal wear and tear, which are not legally chargeable to tenants under Texas XXXX XXXX XXXX ( b ) Reported the case as an ongoing or unresolved eviction, which is factually false and prejudicial, lists length of agreement as 1 month - which is false These actions violate multiple sections of the FCRA : 15 U.S.C. 1681e ( b ) Requires agencies to follow reasonable procedures to assure maximum possible accuracy. Doubling the actual judgment amount and omitting dismissal status is not just inaccurateit is grossly misleading. 

15 U.S.C. 1681i ( a ) Mandates that agencies must promptly correct or delete disputed information if it is inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681c ( a ) ( 2 ) Public records of civil judgments must include accurate amounts, dispositions, and dates to remain on file. 

Further, the inclusion of unlawful charges, such as wear and tear costs, renders the entire balance invalid for reporting purposes. Under XXXX  law, landlords may not deduct for normal deterioration of the unit ( see XXXX  XXXX XXXX XXXX ( b ) ( XXXX ) ). Therefore, the underlying data used to report this balance is legally defective. 

The result is a record that : Misrepresents the legal outcome of the case Overstates the financial liability by including prohibited charges Omits the judgment amount, which is required under federal law Creates a false impression of ongoing eviction or housing default I previously submitted a formal dispute, including documentation of the courts ruling and XXXX  XXXX, and the agency failed to correct or delete the record. This violates both the letter and spirit of the FCRA, and is causing measurable harmincluding repeated housing denials, reputational damage, and inaccurate credit history. 

I am requesting that the entire record be deleted, not corrected. The basis of the reporting is demonstrably flawed, the balance is both factually and legally invalid, and the agency has failed to meet its federal obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am the victim of identity theft. A Synchrony Bank XXXX XXXX XXXX XXXX account was fraudulently opened in my name without my knowledge or permission. I first noticed the account while reviewing my credit report around XX/XX/year>. I have never applied for or used this account, nor made any purchases from XXXX XXXX XXXX. 

Around this same time, my personal bank, credit file, and account was also accessed without my authorization, which further confirmed that my identity had been compromised. 

I took the following steps : On XX/XX/year>, I contacted Synchrony Bank to report the fraudulent account. 
On XX/XX/year>, I filed disputes with the XXXX  and the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ). 


Despite my efforts, this fraudulent account is still being reported on my credit file and is negatively impacting my credit score. 

I am requesting that Synchrony Bank fully investigate this issue, permanently close the fraudulent account, and ensure all negative reporting is removed from all of my credit reports.

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 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood closed my account and denied access to login In. They are holding my money hostage and will not allow me to withdrawal my money. They do not assist me with getting access to my account to aid in withdrawing my money.

Company response to consumer: Closed with explanation