vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB This account was charged off XXXX  and has not had any activity since. The listed " Closed Date '' not on file. The last payment date is wrong it shows XXXX is inaccurate and falsely re-ages the debt. Please correct the closed date to reflect the actual charge-off period or REMOVE the account due to incorrect reporting. I have a screenshot of incorrect dates. That this re-aging violates FCRA & 605 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: WV

Complaint narrative:
Thru XXXX search Reports of individuals receiving calls from an " XXXX XXXX regarding an alleged debt, '' sometimes identified as " XXXX XXXX offices, '' and listing the phone number XXXX have been reported. 
However, some sources suggest these calls may be associated with debt collection scams. XXXX account describes a situation where the caller claimed to have attempted to contact the recipient in the past, but the recipient had no record of these attempts. Another source suggests that a process server will never call someone ahead of time to serve them papers. 
If you have received such calls and are concerned about the legitimacy of the claims or feel harassed, it's generally advisable to : Request written verification of the debt : Legitimate debt collectors are required to provide this.

Do not provide personal or financial information over the phone unless you have verified the caller 's identity and legitimacy. 
Report potential scams to the proper authorities, such as the Federal Trade Commission ( FTC ) or the Federal Communications Commission ( FCC ). The Federal Communications Commission ( .gov ) provides information on how to report unwanted calls/texts. 

These were the messages I got from a firm that only referred to themselves as XXXX. They would not disclose a corporate office street address when I called. They called my fathers cell phone. He passed away a few days before this due to illness. They also threatened to call my workplace. 

XX/XX/year> XXXX am XXXX XXXX my name is XXXX XXXX I'm actually contacting you regarding your pending claim that are now in the process of being filed to the county now by XXXX XXXX I do need to make you aware want to claim number XXXX is filed there may be an order for your location that since I was unable to reach you by phone today I've been instructed to contact your place of employment as a possible location for you you have the right XXXX XXXX the baby the information at XXXX please referred the phone number XXXX this is considered we got notification by telephone any and all questions going forward would need to be directed to the office handle in the claim XX/XX/year> XXXXXXXX XXXX XXXX  XXXX this is your final attempt regarding claim number XXXX I have reached out to you several times over the last few days and you can not speak that you had no prior knowledge of the claim being filed each time I reached out to you sir it's been documented as of today all like the locations for you are now confirmed now the phone number once again for questions or concerns prior to the claim being filed would be XXXX the claim number would be XXXX this is considered your final notification by telephone unless instructed to do otherwise XXXX XXXX you would not be located at your place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-10 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:
Seeing this false late payment is distressing, especially since it misrepresents my financial responsibility. I respectfully ask for its removal.

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 2025-07-10 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have XXXX credit cards, a Milestone Mastercard, and an Indigo XXXX, with XXXX XXXX XXXX XXXX XXXX Concora Credit. 

On XX/XX/year>, I checked my account to see that my address had been changed. I changed it back, changed my password, and went on about my day. I then tried to make a purchase, and was declined. I called Concora- they told me my card was put on a temporary hold due to fraud. I was not notified of this hold by Concora at all. There was no communication - no text, no email, no call - nothing to alert me of fraudulent activity. 

I told them that I was the person trying to make the purchase, and, when I verified my identity, they said they would release the hold and I would be able to try again. I called the merchant I was trying to purchase from - again, the card was declined. I then checked my account online - both cards had been shut down, and I was told to call for more information.

I called Concora again - this time, I was told that I would have to verify my identity by submitting my ID to XXXX  - it would take 14 business days for my cards to be released from the hold. 14 days. I tried to speak to a supervisor about this, and, when the original agent came back, she said " my manager said there's nothing she can do, it will take 14 days. '' A bit of a cop-out that the supervisor wouldn't even speak to me herself. 

I have been paying my cards down with large amounts of money for the past XXXX months. I finally got to a place where my credit limit was at a good rate- and I can't use my cards. What's super annoying is that I have a trip coming up next week, and now can't access my cards at all. 

My problem is XXXX fold. 1 ) there was no communication by Concora to alert me of the fraudulent activity. I should have been notified somehow that they were going to lock my cards, and it's extremely inconvenient to be making a purchase and I look stupid because of it. Why should I, the customer, be the one to reach out if you're locking my account? 2 ) It should not take 14 business days to verify my identity. You have my ID. Unlock my cards! I also do not like that there is no option for the customer to lock their cards through the app. So if someone gets my card info and decides to use it, oh well. I have to call and have * them * do something about it, rather than controlling my card usage myself ( like other normal credit card companies/banks do ). 

My experience with Concora has been absolutely horrible, and once my cards are paid off, I will be closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a XXXX XXXX XXXX who should have been in a fee-free college checking account. I asked to switch years ago, but Chase failed to change my account and continued to charge monthly service fees for over XXXX  years. I was recently refunded only 1 fee. Im requesting a full refund for the {$12.00} fees that were charged while I was eligible for a student account. I have proof of enrollment to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved and continues to cause substantial harm to my financial well-being. The inclusion of these items has profoundly impacted my life, causing significant stress, anxiety, and financial hardship that affects my daily functioning and future opportunities. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft where criminals used my personal information without my knowledge or permission. These fraudulent accounts and negative marks do not represent my actual credit behavior or financial responsibility, yet they continue to damage my credit score and limit my access to essential financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account RESURGENT/LVNV FUNDING account XXXX XXXXXXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent [ proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This the last of the loans my wife/I were scammed into signing under duress after multiple repeated cellphone calls from XXXX XXXX XXXX XXXX XXXX XXXX 
His address information is on the XXXX complaint. 
I signed for a loan under duress after multiple repeated cellphone calls from XXXX XXXX XXXX XXXX Goodleap Loan Company for XXXX in my name XXXX XXXX Account XXXX Goodleap XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GoodleapXXXX XXXX XXXX XXXX Are a major scam operating business that needs to be shut down so they don't continue to take advantage of other people. 
My wife/I XXXX old senior citizen devoted XXXX couple live paycheck to paycheck and don't want to lose our home in default for not paying these scammer 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
As early as XX/XX/XXXX, I began receiving emails about a student loan for " XXXX '' from NelNet. I also have a student loan account with NelNet. My name is not XXXX. I do not know who XXXX is. I do not want information about XXXX or about her student loan. I also am concerned whether my own information is similarly being desseminated, without my knowledge or consent, to other recipients. This is scary. I contacted NelNet by return email on multiple occasions. On XX/XX/XXXX, NelNet provided an email response stating that " after further review, we found another account holder had used your email address as a secondary account email address and it has since been removed from that account. You should no longer receive emails addressed to another account holder. Your account remains secure and no information has been given to another account holder. '' However, today, XX/XX/XXXX, I have received yet another email directed to " XXXX '' but it is from XXXX XXXX XXXX. Clearly my email address is out there, in someone else 's records now, forwarded by NelNet, and I am receiving information based on someone else 's account. This has to stop.

Company response to consumer: Closed with explanation