vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Beginning in XX/XX/XXXX, my servicer Nelnet began reporting my loans as 90-, 120-, and 150-days past dueeven though they never sent me the required first-payment or delinquency notices. On XX/XX/XXXXXXXX  they mailed a 129 days past due letter to my old address, then again on XX/XX/XXXX, XXXX my XX/XX/XXXX dispute clearly showing my correct address and requesting forbearance. I filed disputes with XXXX, XXXX, and XXXX  and submitted a Borrower Defense application to ED/Nelnet, yet nobody has corrected my credit-report, produced audit logs or chain-of-custody for their XXXX  XXXX filings, or even acknowledged valid notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Im filing a complaint against XXXXXXXX XXXX XXXX  XXXX. and their legal representative, Suttell & Hammer, XXXX, for violations of my credit card arbitration agreement and delays in complying with consumer arbitration procedures. 

Despite a binding arbitration clause in my credit card agreement stating that all disputes must be resolved through arbitration, XXXX XXXX ( via Suttell & Hammer ) filed a lawsuit against me in civil court. I had to appear, file a Motion to Compel Arbitration, and the judge granted it confirming that arbitration was required. This court action should never have occurred under the terms of our agreement. 

After court-ordered arbitration was initiated, I paid my required {$250.00} filing fee to XXXX  on time. However, Suttell & Hammer ignored multiple notices from XXXX over more than a month and failed to pay the required {$1700.00} arbitration filing fee effectively stalling the process. 

I sent multiple follow-ups to XXXX during this time, and they confirmed that the firm was non-responsive. Only after repeated XXXX  notifications and follow-up did they finally pay. This obstructive delay violates XXXX Consumer Minimum Standards and was done in bad faith. 

This conduct wasted court and administrative resources, delayed resolution of my dispute, and caused undue stress and effort on my part. I am asking the CFPB to investigate and hold XXXX XXXX and their representatives accountable for : Suing me in court in violation of the arbitration clause Refusing to timely comply with arbitration requirements Engaging in obstructive and harmful debt collection tactics

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 2025-06-24 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: 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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXX XXXX XXXX FL 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I submitted a complaint that took 60 days for American Express to provide a response and all they did was attach the letter that was sent to me asking me for a banker letter with my address and a response from a previous complaint Ref : XXXX Lets try this again, I want a response on why I didn't get approved for the credit card that I applied for when you clearly have my address on file. I have two credit cards with you a business and personal card. I applied for another card to use jointly with my husband and I got some XXXX  response asking me to go to my bank and get a letter using the banks letter head confirming my address. This is ludicrous when you have my address on file. If I don't get approved for my credit card, filing a lawsuit for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I submitted a formal dispute to TransUnion regarding an account reported by XXXX XXXX XXXX XXXX ( XXXX XXXX ) which shows a 30 Days Late status on a {$0.00} balance account. This tradeline does not appear on my XXXX  or XXXX  reports, which raises serious concerns about its validity and consistency across credit reporting agencies. 

The account was last updated on XX/XX/year>, and has shown no activity since then. I requested the Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), the name and contact information of the data furnisher, and any documentary evidence substantiating the delinquency. TransUnion failed to provide this information and has continued to report this derogatory tradeline without evidentiary support. 

This is a violation of : FCRA 1681e ( b ) : failure to maintain accurate and verifiable information, FCRA 1681i : failure to properly reinvestigate and provide required verification, Metro 2 compliance guidelines : no account with {$0.00} balance and no contractual obligation should be reported as delinquent, XXXXXXXX XXXX XXXX  : deceptive practices under Illinois state law. 

This reporting is outdated, unverifiable, and damaging to my creditworthiness. I request immediate intervention and full deletion of this tradeline.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-24 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: Credit Central Holdings, LLC
State: AL

Complaint narrative:
THIS ACOCUNT ( CREDIT CENTRAL ) XXXX OPENED ON XX/XX/year> BALANCE OF {$1100.00} DOES NOT BELONG TO ME PLEASE HAVE THIS REMOVED ASAP. I HAVE FILED A POLICE REPORT, ID THEFT REPORT, AND FILED A COMPLAINT WITH XXXX. PLEASE REMOVE THIS INCORRECT INFORMATION ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I was given a personal grant to consolidate some unexpexted fees and XXXX XXXX XXXX sent my money to XXXX  now i cant retrive a dime and the scam is damaged my household sreverly they sent it to my trust to bar my private usage of that account they even garnishing my funds claimg its a debt refuseing to send me my titleto my car my deed to my house or the rest of the personal laons i own XXXX  stocks and they are attacking my trust wich has a {$500.00} XXXX dollar insurance lawsuit with XXXX cause its XXXX in creation its my duty to report before i go ahead and sue my attorney sold my idenity with me have XXXX XXXX  im a hostage to banking managers and the scam they are running

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-24 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Fraudulent accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Fraudulent accounts and inquiries 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my file from XXXX  found that duplicate accounts were in my file but XXXX  refused to act on it violating my consumer rights.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my file from Equifax found that duplicate accounts were in my file but Equifax refused to act on it violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: OH

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 OH XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 CA XXXX ACCOUNTS : XXXX XXXX - Account Number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Continuous Failure to Change Legal Name on Mi Cash App Account XXXX XXXX When Have Previously Contacted Them & Have Already Provided All the Legal Documentation as Uploaded Here Within Mi Complaint & Still Yet They Refuse to Accept Mi Documents & Submissions & Tell Mi It Has to Be Uploaded Directly to Cash App, Well Mi Have Told Them on Numerous Occasions That Mi Don't Have a Cell Phone ( and that not everybody in the world does or even wants to use one ) & Can Only Use the App Through XXXX XXXX XXXX XXXX XXXXXXXX & They Repeatedly Send Mi a Link to Securely Upload Documents & Then Always Tell Mi That There Not Good Enough, Ect. But the Reality is That if They Check Mi Social Security Number, They Can Clearly See That This is Mi Legal Name & Yet Still They Refuse to Change It & On Top of That, Mi Bank Account in Which They Send the Funds to and is Connected to Mi Cash App Has Mi Legal Name on It as Well & So There is No Reason at All in This World That They Still Keep Denying Mi the Documented Legal Name Change. So Mi Just Don't Understand at All & It Just Seems Like Complete Discrimination & Has Just Wasted Hours & Hours, Days & Days of Mi Time Whenst All Mi Want or Am Asking is For a Simple Legal Name Change Procedure, as Mi Never Had to Jump Through So Many Hoops or Face So Much Adversity when Changing Mi Social Security Number, Birth Certificate, State I.d., Pass Port or Even Mi Credit Cards or Anything, ONLY Cash App Has & Continues to Make Things Difficult to Impossible for Mi for Years Now They Have Been Denying Mi, Makes No Sense & Mi Just Want Mi Name Changed on Mi Account as it Is Reflected on Mi Social Security, Bank XXXX XXXX XXXX XXXX, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Chime Financial Inc
State: NC

Complaint narrative:
I have my account turned off for any international transactions and a fraudulent transaction of XXXX came though on the XXXX of XXXX but it was denied which is what should have happened. On that day I called about it and they told me it had been denied so no action needed although they were going to do an investigation. On the next day I did a police report. On the next day I see my money has been taken out of my account to cover this fraudulent transaction and they are going to do a dispute/investigation. I clearly told them that the transaction was denied because I have international transactions turned off and it was declined so I would like my money. Yesterday XXXX they let me know that they felt the transaction was correct and will not be giving my money. I said that if they look into my account it said it was denied as international transactions are turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Credit Collection Services on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with CCS ( XXXX XXXX ), which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful. Accordingly, I am requesting the immediate deletion of this collection account from all credit reporting agencies. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ), and provide written confirmation of your actions regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation