vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DE

Complaint narrative:
Originally borrowed from the Great Lakes back in XXXX. 

[ No receipt of physical mail to my home address - Should have received physical warning of late payments by XX/XX/XXXX ] XX/XX/XXXX - Received notice that I am 90 days delinquent on student loan credit score drop on XXXX loans. 

XX/XX/XXXX - Filed a dispute on XXXX for XXXX loans that are delinquent XX/XX/XXXX - Called Nelnet. I told them they had the wrong email. They never sent a physical letter yet said they had the correct address for me. I asked them to dispute the late payments. They said they tried to call me in XX/XX/XXXX ; I never received any voicemail from Nelnet. I also gave them {$1400.00} for payments. They also never said anything about login to Nelnet. No username or password. 

My credit score is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX, a {$10000.00} unauthorized ACH withdrawal was initiated from my Coinbase account to a XXXX checking account ending in * * * * XXXX. I reported this fraud while the transaction was still in Pending status, but Coinbase failed to stop or reverse it. 

Coinbase later claimed that once a transaction enters pending, it can not be reversed, even though this was a XXXX ACH withdrawal and not a crypto transaction. Their systems should have allowed a cancellation if the report was made before settlement, which it was. I have email evidence of the pending status at the time of the report. 

I had whitelisting enabled on my account during Coinbase Pro, which I assumed still applied after their platform migration. Coinbase never disclosed that this protection was removed or XXXX, and I relied on it to prevent withdrawals to unapproved destinations. 

I also contacted XXXX and filed an IC3 report. Coinbase 's final response was to deny responsibility, despite clear evidence of early reporting and the transaction being reversible. 

Supporting documents include all correspondence with Coinbase and the pending status screenshot. 

Note : While I am listed as the Sender in this form because the transaction originated from my Coinbase account, I did not authorize or initiate this transfer. This was an unauthorized withdrawal carried out by an unknown third party who gained access to my account. I am the victim of this transaction, not the initiator, and I reported it while it was still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I had a {$7800.00} withdrawal that I did not authorize. On XX/XX/XXXX, I had additional {$8700.00} withdrawn listed as XXXX XXXX XXXXXXXX XXXX. Once I realized what had happened, I contacted Chase, told them somebody hacked our computer and put in a bill payment. They immediately had my husband and I change our bank login and password and create a new email for use for our bank accounts only, which we did. The hacker tried again, but we were able to stop it as soon as we were notified. We shut down that account and transferred to a new account. I put in a claim for them to make me whole because Chase has a XXXX XXXXiability for fraud on checking accounts. Chase denied my claim because they said the request came from my computer. I told them I wanted to contest it because our computer was hacked. We upgraded our anti virus and showed 2 files that were viruses. They have reopened the claim, and I have sent them the virus scan results. We did not initiate these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report, which I believe is inaccurate. According to my most recent credit report, the following item ( s ) are incorrect and need to be investigated and removed : I am requesting that these items be investigated, as required under Section 1681i of the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. The information provided appears to be false or outdated and I have reason to believe it does not accurately reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NE

Complaint narrative:
My monthly payments are {$460.00}, I always pay bi weekly payments of {$250.00} and very often send in an extra {$50.00} to {$100.00} a week to get the loan paid off. My bill is due on XX/XX/year>. And the payment is showing due in the amount of {$500.00}. There is no past due balance and they can not explain to my satisfaction why they are over charging me. They claimed its because I make bi-weekly payments ; however my payment are paid up a month in advance. Customer service is awful and if I pay the car off early I get penalized more. I owe {$1.00}, XXXX but I have to pay an extra XXXX dollars to pay it off early.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XXXX XXXX XXXX and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XXXX XXXX XXXX  but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of BirthXXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 2025-04-15 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: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
There is an unauthorized credit inquiry from this company with no account attached to it.

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 2025-04-16 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: NC

Complaint narrative:
I am disputing XXXX XXXX/XXXX  student loan accounts that are being reported on my credit report without my consent. I submitted a formal dispute over 30 days ago, outlining serious violations of the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and other federal privacy protections. 

Instead of conducting a proper reinvestigation or verifying the accounts, XXXX sent me a generic letter that did not address my legal concerns, did not include any proof of authorization, and ignored their obligations under the law. 

I have never signed or authorized XXXX to furnish my student loan or educational records to the credit bureaus. Their reporting is unauthorized, unverified, and damaging to my credit and privacy. 

I am requesting that the CFPB investigate this matter and require XXXX to remove the accounts and cease any further unauthorized reporting.

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 2025-04-16 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: NC

Complaint narrative:
I am disputing four XXXX/DOFED XXXX  loan accounts that are being reported on my credit report without my consent. I submitted a formal dispute over 30 days ago, outlining serious violations of the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and other federal privacy protections. 

Instead of conducting a proper reinvestigation or verifying the accounts, XXXX sent me a generic letter that did not address my legal concerns, did not include any proof of authorization, and ignored their obligations under the law. 

I have never signed or authorized XXXX to furnish my XXXX  loan or educational records to the credit bureaus. Their reporting is unauthorized, unverified, and damaging to my credit and privacy. 

I am requesting that the CFPB investigate this matter and require XXXX to remove the accounts and cease any further unauthorized reporting.

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 2025-04-16 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: NC

Complaint narrative:
I am disputing four XXXX/DOFED XXXX  loan accounts that are being reported on my credit report without my consent. I submitted a formal dispute over 30 days ago, outlining serious violations of the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and other federal privacy protections. 

Instead of conducting a proper reinvestigation or verifying the accounts, XXXX sent me a generic letter that did not address my legal concerns, did not include any proof of authorization, and ignored their obligations under the law. 

I have never signed or authorized XXXX to furnish my XXXX  loan or educational records to the credit bureaus. Their reporting is unauthorized, unverified, and damaging to my credit and privacy. 

I am requesting that the CFPB investigate this matter and require XXXX to remove the accounts and cease any further unauthorized reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and my only address is 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and my only address is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: MN

Complaint narrative:
I subscribed to Kickoff, which told me that they would help me to build my credit by reporting to all three credit bereaus, and that I would receive my money back at the end of my terms, but that didn't happen so I asked them to cancel it but they continued to bill me and therefore affected my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX was servicing several of my loans and on XX/XX/XXXX XXXX moved my loans to XXXX. Ever since that date XXXX has been misallocating my payments. The late payment notices began along with many calls per day from XXXX. I continued to pay the total amount of previous and recently added loans. On XX/XX/XXXX I spoke with Supervisor XXXX who agree the payments were not allocated properly and he correct it. The late notices and calls continued. On XX/XX/XXXX I spoke with Supervisor XXXX she too agreed I was not late on payments and she would correct it and suggested I make two different payments to keep the two separate. Loans XXXX, XXXX totally {$190.00} due 2nd of month. Loans XXXX, XXXX, XXXX totalling {$96.00}. On XX/XX/XXXX I spoke with supervisor XXXX and she agreed I was not late on payments and she needed to file two more pieces of paperwork that would fix the problem. I continued to receive late notices and phone calls and again on XX/XX/XXXX I spoke with XXXX again. She stated she fixed everything and someone reversed her corrections. I requested to speak with someone higher up the chain. XXXX put in my request. My credit file is ruined showing 25 late payements.

Company response to consumer: Closed with explanation