vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my student loan account ( s ) currently serviced by Nelnet. I believe Nelnet has failed to properly process or respond to my applications for loan forgiveness and has mishandled the status of my account despite my bankruptcy filing, which has caused significant confusion and hardship. 
Summary of the Issue : I have previously applied for federal student loan forgiveness under the Public Service Loan Forgiveness ( PSLF ), Income-Driven Repayment ( IDR ) Adjustment. Despite meeting eligibility requirements and submitting the required documentation, Nelnet has not provided clear or timely updates on the status of my application. 
Additionally, I have been through bankruptcy proceedings and Nelnet has continued to report my loans or communicate in ways that appear inconsistent with federal bankruptcy protections. My credit and financial standing have been negatively impacted as a result. 
Specific Concerns : Failure to properly apply or process my loan forgiveness application. 
Lack of communication or inconsistent information from Nelnet representatives. 
Continued billing, collection activity, or credit reporting after bankruptcy filing. 
Potential violations of borrower rights under federal student loan servicing regulations and the Fair Credit Reporting Act. 
Desired Resolution : I am requesting that the CFPB review XXXX handling of my student loan account and ensure : My forgiveness application is reviewed and processed accurately. 
My bankruptcy status is properly reflected in XXXX system. 
Any inaccurate credit reporting or unauthorized collection activity is corrected. 
I receive a written explanation detailing the current status of my loans and any remaining balance after proper application of forgiveness and bankruptcy laws. 
Supporting Information : Servicer : Nelnet Loan Type : Federal Student Loans Total Amount in Loans : {$110000.00} I appreciate the CFPBs assistance in reviewing this matter and ensuring accountability and fairness in student loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Previously I filed Complaint about this information is under XXXX XXXX XXXX XXXX credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded Previous Next Why my complaint is closed. I submitted all supporting documents which shows that mine and my wife 's card was approved at different time. and how American Express customer service shows both credit cards on my social security no.and my account was not credited with bonus miles. 
Company was asking me to provide copies of mine and my wife 's Govt issued Photo ID and Social security card. Means they agree with the bonus miles offer but want to double check that both cards not on my social security no. 
I don't understand that my wife 's card was approve more than two years ago how they can approve her card on my social security no.. I request you to ask them to provide original copy of my wife 's application for credit card which will show her social security no. 
Company people they don't want to accept there mistake. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: IA

Complaint narrative:
Summary of Violation : I am submitting this complaint to report multiple violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1682 et seq. ) by the above-named debt collection agency. 

On XX/XX/year>, I sent American Accounts & Advisers a Debt Validation Request disputing the accuracy and ownership of an alleged medical debt they claim I owe. Their written response dated XX/XX/year> failed to provide the legally required documentation, including : XXXX. Proof of assignment or ownership of the alleged debt ; XXXX. A signed contract or agreement showing I entered into any obligation with the alleged creditor ; XXXX. A complete accounting or itemization establishing the claimed balance ; and XXXX. Evidence of their authorization to report this account to credit bureaus. 

In addition, the company reported the alleged debt to consumer reporting agencies the same day they mailed the initial collection notice violating my 30-day dispute window under FDCPA 809 ( b ). When confronted, they attempted to deflect responsibility by stating that consumer reporting agencies may take up to 30 days or longer to update reports, which is false and misleading.

As the furnisher of information, they are required under FCRA 623 ( a ) ( 3 ) to report accurate data and to cease reporting during a dispute investigation. Their continued reporting constitutes a knowing and willful violation of both the FDCPA and FCRA. 
Damages : This inaccurate and unlawful reporting has caused measurable harm to my credit reputation, emotional distress, and potential financial loss due to derogatory reporting on my consumer file. I am seeking : - Immediate deletion of the alleged account from all credit bureaus XXXX XXXX XXXX XXXX  ) ; -Formal investigation by your agencies into American Accounts & Advisers repeated violations ; and -Monetary compensation for statutory and actual damages under 15 U.S.C. 1692k and 15 U.S.C.1681n, due to willful and negligent noncompliance.

Attached Documentation : - Copy of my original Debt Validation Request - Response letter from American Accounts & Advisers dated XX/XX/year> - Screenshot from my credit report showing date of reporting identical to the date of their initial notice - Proof of mailing. 

Requested Relief : XXXX. Enforce immediate removal of the inaccurate account from all consumer credit reporting agencies ; 2. Direct American Accounts & Advisers to cease all collection and reporting activity on this alleged account ; 3. Pursue administrative penalties or enforcement actions for their repeated violations ; 4. Ensure full restitution for damages suffered due to emotional distress and harm to my credit standing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 explanation
Consumer complaint received 2025-11-04 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I want to make sure Navient has reported me as been my student loan lender. XXXXXXXX XXXX XXXX Navient switched me over to another lender XXXX. Navient has a Lawsuit settlement, due to misconduct of costly forbearance plans, Failure to inform borrowers and predatory private loans. That I was a victim of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I have never signed anything with this company. Or have them permission to pull my credit report or access to my profile, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank XX/XX/year> I received a notice of CD maturity which showed only the principal amount as the estimated value at maturity ( no interest, 3.5 % ). I called & made an appointment to close the CD a day after maturity. I spent an hour & 40 minutes with the banker becauseshe was not able to credit the interest to the CD. After several calls, she found that the interest was supposed to be depositedto my checking account. She said if I close the CD for just the principal the interest should credit to my checking. She issued me a cashiercheck, but the interest did not show up in my checking account. She said hopefully it will appear tomorrow. I have never had the experience of not having access to my funds for a CD upon maturity. One week ago prior to this event I had a {$25.00} charge appear on my checking account despite meeting the minimum combined balance requirement for the entire time since the account has been open. Clearly Chase has some bookkeeping/records errors. I want my interest. I did not deposit funds to a CD for nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
theres a XXXX XXXX  account in my name that is now under collections. but i did not do it. its for car care. ive never owned a car or drivers license. i dont even know how to drive.

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 2025-11-04 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: FL

Complaint narrative:
I have been disputing inaccurate credit reporting by XXXX. Between late XXXX and Over the last year, XXXX sent billing and delinquency notices to XXXX XXXX XXXX XXXX  even though they had my correct phone number and email address on file. They never attempted to contact me by phone or email before reporting my account as delinquent for several months. 

I recently sent XXXX three registered letters providing detailed documentation of this communication failure and requesting correction of my credit report. Each time, I received the exact same generic form letter, addressed to Customer, with only the date changed. None of the responses addressed the facts I presented. 

I spoke with a representative named XXXX on XX/XX/XXXX. She stated that XXXX made phone and email contact attempts during the period of reported delinquency and promised to send me copies of the emails. As of today, I have not received them. XXXX also referenced a letter dated XX/XX/XXXX, stating that XXXX would not investigate further. However, on XX/XX/XXXX, I spoke with another representative, XXXX, who told me that my case would be investigated. 

We were previously notified me that my loans had been transferred to XXXX years ago, so I believed XXXX was no longer my servicer. I only recently discovered that, for some loans, this transfer never occurred and that XXXX was still managing the loans. I immediately brought the loans current once I learned this. 

At this point, it is unclear whether any investigation is underway. I am seeking confirmation that XXXX is conducting a proper review and that my credit reporting will be corrected to reflect their failure to contact me through the correct channels before reporting delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I have been disputing inaccurate credit reporting by XXXX. Between late XXXX and Over the last year, XXXX sent billing and delinquency notices to my XXXX XXXX XXXX, even though they had my correct phone number and email address on file. They never attempted to contact me by phone or email before reporting my account as delinquent for several months. 

I recently sent XXXX three registered letters providing detailed documentation of this communication failure and requesting correction of my credit report. Each time, I received the exact same generic form letter, addressed to Customer, with only the date changed. None of the responses addressed the facts I presented. 

I spoke with a representative named XXXX on XX/XX/XXXX. She stated that XXXX made phone and email contact attempts during the period of reported delinquency and promised to send me copies of the emails. As of today, I have not received them. XXXX also referenced a letter dated XX/XX/XXXX, stating that XXXX would not investigate further. However, on XX/XX/XXXX, I spoke with another representative, XXXX, who told me that my case would be investigated. 

We were previously notified me that my loans had been transferred to XXXX years ago, so I believed XXXX was no longer my servicer. I only recently discovered that, for some loans, this transfer never occurred and that XXXX was still managing the loans. I immediately brought the loans current once I learned this. 

At this point, it is unclear whether any investigation is underway. I am seeking confirmation that XXXX is conducting a proper review and that my credit reporting will be corrected to reflect their failure to contact me through the correct channels before reporting delinquency.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I have an open loan account that is still being paid and XXXX is showing my account as closed which dropped me from around a XXXX to a XXXX the World Finance company is showing im still paying an open/active account they are also way behind on incorrect payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit report by XXXXXXXX XXXX XXXX XXXX  and/or XXXX XXXX XXXX ). The account shows late payments that are not accurate or verifiable. 

I have already submitted disputes to the credit bureaus under FCRA 611 and requested verification from the furnisher under FCRA 623 ( a ) ( 8 ). To date, no proper documentation or verification has been provided showing that the reported late payments are valid. 

This account has been in good standing and any reported delinquencies are inconsistent with my payment history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the inaccurate late payments are deleted or corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681i and 1681s-2 ).

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit report by XXXX XXXXXXXX XXXX ( and/or XXXX XXXX XXXX ). The account shows late payments that are not accurate or verifiable. 

I have already submitted disputes to the credit bureaus under FCRA 611 and requested verification from the furnisher under FCRA 623 ( a ) ( 8 ). To date, no proper documentation or verification has been provided showing that the reported late payments are valid. 

This account has been in good standing and any reported delinquencies are inconsistent with my payment history. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure the inaccurate late payments are deleted or corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681i and 1681s-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has failed to return two approved merchant refunds totaling {$82.00} for over 30 days despite acknowledging the disputes and escalating them to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support and verify my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to include my XXXX XXXX bankruptcy filing in my credit report. XXXX  have already reported it.I contacted Equifax Consumer Affairs and was told they refuse to report it until discharge, even though this information is publicly available and part of my official federal court record. This omission causes my credit report to be incomplete and misleading in violation of the FCRA. I am requesting that Equifax update my file to show the bankruptcy as filed/pending, consistent with accurate reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This issue is with a XXXX card that my ex husband added himself on as a user and used this card for years. Then when XXXX XXXX XXXX, he stopped making minimum payments so my daughter received a letter saying the account was delinquent. The amount owed on this card when I XXXX XXXX XXXX XXXX XXXX XXXX ) was XXXX XXXX He made a fraudulent payment on XXXX XXXX and the fraudulent payment was reissued. Then the card was turned over to MCM debt collector on XXXX XXXX. It has hurt my credit extremely bad. I have been in contact with them but the identity theft doesnt seem to be an issue.

Company response to consumer: Closed with explanation