vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Hollis Cobb Associates
State: NH

Complaint narrative:
In XXXX of last year I had to switch XXXX XXXX due to XXXX  with XXXX and can no longer take any form of XXXX so I was put on the XXXX XXXX  which isn't covered by XXXX but it is covered by XXXX and XXXX, i have all XXXX. I was notified last week, months after the initial insertion, saying that I owned nearly XXXX dollars to XXXX XXXX XXXX for this procedure but when I look at my XXXX from XXXX it says the number I owe is almost half what XXXX said and it doesn't look like they ran it through XXXX or XXXX even after I asked them to, they refused to run my other insurances and have sold said debt to a collections agency which is how i found out about this because they messaged me saying that legally I had to pay and if I didnt they would sue and tank my credit. I am a XXXX  XXXX XXXX and it says right on that XXXX to not pay if I get billed, so I don't know what to do now because this debt shouldn't exist, it should have been paid months ago by insurance and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX. ACCOUNT # XXXX OPENED ON XX/XX/year>. 
- XXXX XXXX XXXX XXXX. ACCOUNT # XXXX OPENED ON XX/XX/year>.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX failed to notify me of reinstatement of loan payment since XXXX. Several state moves had been made since XXXX and contact info was outdated. Loan payment became due at turn of the new year, XXXX without my knowledge. Was reported XXXX days late and my credit score dropped nearly XXXX points. We were in the process of buying a home and are now ineligible. We only found out because our mortgage loan XXXX ran my credit again to update our file and informed me of the delinquency. I immediately contacted Nelnet, paid the balance and brought account to current and enrolled in auto draft for future payments. After explaining the situation, they remain unwilling to provide a one-time courtesy in removing the derogatory report. I have a new baby girl, born XXXX. My rental lease is up XX/XX/XXXX and I have no means of securing a mortgage or a rental due to poor credit now. This is unacceptable and fully lacking of compassion and mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a Chase Business Checking account on XX/XX/XXXX, after seeing a {$750.00} bonus offer in my Chase app. The promotion required a {$30000.00} deposit to be maintained for three months. I met all the requirements, but Chase has refused to pay the full {$750.00} bonus. 

- On XX/XX/XXXX, I deposited {$100000.00} and maintained the required balance beyond the required period. 
- When I contacted Chase on XX/XX/XXXX, they initially denied the promotion existed. 
- On XX/XX/XXXX, after I provided proof, the Chase banker admitted the promotion was real but first tried to offer only {$500.00}. 
- After further escalation, they acknowledged I qualified for the {$750.00} but then introduced a new requirement of five transactions, which was never disclosed when I opened the account. 
- Chase has failed to provide any documentation proving this requirement was part of the original offer.

Chase is engaging in bait-and-switch tactics by changing the terms of the offer after I met all the requirements. This is misleading and unfair to customers. I have made multiple attempts to resolve this with the branch and Chase representatives, but they refuse to honor the bonus. Chase should be held accountable for these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MOHELA
State: NC

Complaint narrative:
They are not complying with the federal mandates. XXXXThey pick and choose which loans they put in deferment for full-time college attendance versus all federal loans XXXXThey will put you in delinquent status without a single statement or notification despite college attendance XXXXThey do not mark loans as paid in full even when paid in full. XXXXThey will re-bill you even after a payment is made, i.e. payment made because of # XXXX on XX/XX/28 then another bill was generated and due for the same loan on XXXX despite the original due date being XX/XX/28 for the supposed delinquent amount. 5-Customer service is like playing roulette because one never knows if the representative will know the federal mandates or if you will be either placed on hold because " they are not dealing with you '' or hanging up on you because you quote the federal mandates pertaining to federal loans and college attendance. I have had nothing but problems since being forced to change to Mohela as my loan servicing agency. I was not provided a choice. I had to provide a date but that was only one of many because there have been so many I have started keeping screenshots and records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Velocity Portfolio Group
State: FL

Complaint narrative:
Continues to send threatening letters and failing to verify that I actual owe them money or provide proof of any contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within XXXX days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

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 2025-03-14 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: FL

Complaint narrative:
Earlier today, I discovered incorrect accounts on my credit report, and I have no clue how they appeared. I routinely check my report, and everything has always been accurate until now. Hoping it was a minor glitch, I refreshed my browser, but the inaccurate accounts remained. Due to this issue, I kindly ask that the documents I submitted be carefully reviewed so I can finally put this concern behind me.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
RE : Account number ending in XXXX CFPB Case # XXXX XXXX, XXXX, & XXXX Wells Fargo Case # XXXX XXXX, XXXX, & XXXX Wells Fargo furnished information to XXXX and XXXX XXXX that indicated my payment on Acct # XXXX was late in XX/XX/XXXX. I disputed this information with CFPB, and I received a response from Wells Fargo via a letter dated XX/XX/XXXX. In that letter Wells Fargo states that I did not make a payment in XX/XX/XXXX. Wells Fargo is reporting the account as current in XX/XX/XXXX and XXXX days late in XX/XX/XXXX. If Wells Fargo claims the account did not receive a payment in XX/XX/XXXX, then Wells Fargo needs to report the account as late in XX/XX/XXXX. Once Wells Fargo reports the account as late in XX/XX/XXXX, then I can address that inaccuracy. But you can not claim the account was late in XX/XX/XXXX for a payment that was not made in XX/XX/XXXX. 

Wells Fargo also furnished information to XXXX XXXX that indicated my payment for XX/XX/XXXX was XXXX days late. However, XXXX XXXX letter does not claim the account was XXXX days late in XX/XX/XXXX. Does this mean that Wells Fargo will instruct XXXX XXXX to report that the account was not XXXX days late in XX/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 non-monetary relief
Consumer complaint received 2025-03-14 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: Nelnet, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, XXXX XXXX and the the Department of Government Efficiency ( DOGE ) accessed my personal data about my student loans, including but not limited to, social security numbers, income datea, and loan amount violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX ACCOUNT # XXXX OPENED ON XX/XX/year>.

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 2025-03-14 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-14 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: KY

Complaint narrative:
I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal 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 explanation
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute the promotional offer I received upon applying for a Chase credit card. I applied under the clear impression that I was accepting the " Earn up to XXXX bonus points '' welcome offer, as explicitly advertised in the email I received and on the Chase website ( https : //www.chase.com/personal/credit-cards/hyatt ) until the expiration date of offer ( XX/XX/year> ). 

Upon approval, I was shocked to find that my account was instead associated with a XXXX bonus point offeran offer that was never advertised in any promotional materials I received. This was not a targeted offer, but rather a publicly available promotion, making it clear that I was eligible for the higher bonus. 

I am positive that I applied using either the URL provided in the promotional email or directly through the Chase website. The fact that I was given an entirely different and significantly lower offer raises serious concerns about deceptive marketing practices and potential malpractice in promotional disclosures. 

Additionally, I would like to formally address the Ohio Executive Offices handling of my inquiry. Their lack of transparency, unprofessionalism, and inability to justify multiple conflicting promotional offers reflects poor customer service and a failure in accountability. I expect a clear and detailed explanation regarding how this discrepancy occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: UT

Complaint narrative:
XXXX XXXX should never have been allowed to access federal records that include my student loan and repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding a disputed collection account. The account being reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$900.00} ) is unverified and should be removed. 

I formally disputed this account and requested full verification under 15 U.S.C. 1681i ( a ) ( 1 ), requiring Equifax to conduct a reasonable investigation. Additionally, 15 U.S.C. 1681s-2 ( b ) obligates furnishers to provide substantive verification.

I requested : The original signed contract proving my agreement to the debt.

A complete payment and charge history validating the reported amount.

Proof of the collection agencys legal right to report the account.

Despite my request, Equifax failed to provide verifiable documentation and continued reporting the account, violating : 15 U.S.C. 1681i ( a ) ( 5 ) : Unverified information must be deleted within XXXX days.

15 U.S.C. 1681e ( b ) : Equifax must ensure maximum possible accuracy.

Company response to consumer: Closed with explanation