vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal Metro-2 factual dispute against Nelnet for reporting inaccurate, inconsistent, and unlawful payment history across XXXX, XXXX, and XXXX  for all of my student loan accounts. I did NOT request goodwill, I did NOT request a courtesy removal I am disputing the accuracy of your reporting under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 611 ( a ) ( 1 ) ( A ), and 15 U.S.C. 1681s-2 ( b ), which legally requires all data furnished to the CRAs to be complete, accurate, and uniform across every bureau. Your response completely ignored the actual dispute. You focused on your right to report a 90-day late, but that is not the issue at all. The issue is that the payment history you furnished does NOT match across the bureaus, which makes it factually inaccurate and therefore must be corrected or deleted. 
Here are the exact discrepancies you failed to address : XXXX  shows : on-time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then suddenly XXXX late in XX/XX/XXXX. 
XXXX  shows : on-time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then XXXX late in XX/XX/XXXX. 
XXXX shows : no payments reported at all for XXXX XXXX XXXX, then a XXXX late in XX/XX/XXXX, then unavailable payment history afterwards. 
Under FCRA & XXXX XXXX, these XXXX versions can not all be accurate. Payment history must be identical across all CRAs, and once a dispute is filed, Nelnet is required by law to correct or delete inaccurate data not send a generic, dismissive template letter. Your own response cites the FCRA, yet you refused to follow it. Furnishing unavailable, on-time, and 90-day late for the SAME months across different bureaus is a direct violation of your legal obligations, and proves you did NOT conduct the required reasonable investigation under 15 U.S.C. 1681s-2 ( b ). 
Additionally, your letter claims that you notified me and attempted contact but you provided no proof, no billing statements, no due-date history, no delinquency notices, and no payment logs, all of which are required to substantiate the data you furnished. You also did NOT address the complete absence of reporting on XXXX  for multiple months, which is a separate accuracy violation. For all of these reasons, I am formally requesting removal of ALL late payment data associated with every Nelnet tradeline listed below. These are not goodwill requests these are corrections you are legally obligated to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-21 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only Credit card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  The account is shown in collection on TransUnion and Experian only also showing late payment Experian only collection account XXXXened at XXXX XXXX XXXX XXXXI on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is shown in collection on Experian only Credit card account account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Equifax only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer. 

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ). 

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: OK

Complaint narrative:
Here is a stronger, more forceful, more formal version of your CFPB complaint statement. 
This version emphasizes failures, broken promises, and the seriousness of withholding your funds. 


-- - Stronger CFPB Complaint Statement ( Copy/Paste This Into the Form ) Issue : Skrill USA has improperly restricted my account under the pretext of a security review, failed to honor their own 48-hour resolution timeline, and continues to withhold my funds without justification. 

Details of the Problem : On XX/XX/XXXX, Skrill restricted my account for what they described as a security review. Skrill explicitly informed me that this review would be completed within 48 hours. However, this deadline has long passed, and no meaningful action has been taken by Skrill to resolve the matter.

This restriction occurred immediately after I received legitimate funds from a casino game that Skrill itself advertises and after purchasing in-game packages from two games I regularly use. There is nothing suspicious, fraudulent, or unusual about my activity.

I promptly complied with Skrills requests for information and provided all documents and explanations without delay. Despite my cooperation, Skrill has repeatedly sent me identical automated emails asking the same questions I had already answered multiple times. It is clear that my responses are not being read or reviewed by any actual agent. 

When I requested escalation to a manager or supervisor, Skrill refused to transfer me or elevate the matter in any way. This refusal to escalate a time-sensitive issue involving restricted consumer funds is unacceptable and demonstrates a systemic failure in their complaint-handling and review process.

Harm Caused : Skrill has now withheld my funds since XX/XX/XXXX, far beyond the promised 48-hour review period. The prolonged and unexplained denial of access to my own money has caused significant stress, uncertainty, and financial inconvenience. Skrills refusal to conduct a proper review, reliance on automated responses, and failure to honor their stated timeline indicate serious deficiencies in their security review procedures and customer-protection practices.

What I Want : Immediate human review of my case by a qualified Skrill compliance agent.

Removal of the unjustified restriction placed under the guise of a security review.

Immediate restoration of my access to all funds in my account.

A formal investigation into : Skrills failure to honor its 48-hour review commitment, Skrills repeated use of automated emails instead of actual case review, Skrills refusal to escalate complaints to management,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, thank you for confirming that you received my dispute but your response is incorrect, misleading, and a direct violation of the FCRA. 
You stated that my request did not appear to come directly from me, yet this letter is proof that you received my dispute. I am confirming again : I, the consumer, sent the dispute. It was authorized. You received it. 
Under FCRA 611 ( a ) ( 1 ) ( A ), once a consumer notifies a credit reporting agency of a dispute, you are legally required to reinvestigate within 30 days.

Your internal assumption about authorization does not pause, delay, or reset the statutory timeline.

I am requesting full validation and verification of all disputed items, including but not limited to : Payment history documentation for any late payments Contracts, signed agreements, and application data for any charge-offs Chain of assignment, proof of ownership, and itemized accounting for any collections Complete Metro-2 compliant reporting fields for every furnisher Your letter acknowledges receipt of my dispute, which means the clock is already running. 
You do not get additional days because you chose not to act. 
That is considered a stall tactic, which violates : FCRA 611 ( failure to reinvestigate ) FCRA 623 ( b ) ( failure to conduct a reasonable investigation ) Metro-2 Compliance Standards ( failure to validate fields before furnishing ) I expect a full reinvestigation and proper validation of every disputed tradeline within the lawful timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Capital One. On XX/XX/year>, I called Capital One to request a hardship arrangement because I was out of work caring for my father, who was undergoing XXXX XXXX. During that call, I told the representative that I believed a payment had been returned and that I wanted to prevent the account from becoming 30 days past due on my credit report. 
The representative informed me that although there were no long-term hardship programs available, I could make three payments of {$130.00} each before XX/XX/year>, and that doing so would prevent the account from being considered past due and stop further collections actions. I relied on the representatives statement and proceeded based on the arrangement they provided. The representative even stated she would give a credit back for late or return fee. 

Despite following the instructions I was given, Capital One later reported my account as 30 days past due. When I saw the late payment reporting on my credit report, I contacted Capital One immediately. They opened an investigation but ultimately refused to correct the reporting. 

I also requested to listen to the XX/XX/XXXX call because I wanted to confirm exactly what was said, but Capital One denied my request, even though that call directly affects the accuracy of the credit reporting. 


This situation has caused unfair harm to my credit because I followed what the representative told me to do to avoid delinquency. I am asking the CFPB to assist in having Capital One correct the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Dear Experian, I am submitting this dispute to address the inaccuracies found on my credit report. The following accounts are being disputed : Charged Off Accounts : XXXX, XXXX Account Opened : XX/XX/XXXX Balance : {$2100.00} Dispute Reason : The account is inaccurately marked as charged off. Please verify the accounts status and make necessary corrections. 

XXXX XXXX, XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account should not be reported as charged off. I request verification of the accounts status. 

Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : I do not recognize this inquiry. Please provide supporting documentation, or remove it if unauthorized. 

XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. I request that it be removed from my report. 

XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : Please provide proof of authorization for this inquiry. If no proof is provided, I request its removal. 

XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. Please remove it from my credit report. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was not authorized by me. I request that it be removed from my report. 

XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. I request its removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the following accounts that are inaccurately reported on my Equifax credit report. Please review the details below and correct the discrepancies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
JP Morgan Chase Bank closed my accounts in retaliation for filing a complaint with the Consumer Financial Protection Bureau. 

They may try to claim otherwise or try to state they allowed to close accounts for any reason per their agreement which does not supersede violation of federal law which this closer in 100 % retaliation of my complaint is 100 % in violation of law.

They can try to claim it was not in retaliation of my complaint but evidence will show 100 % that was in retaliation from my Complaint.

As nothing prior to my complaint then mere days after my complaint to the CFPB was sent to the Bank my Account was Restricted and closed.

No other reason to Restrict and Close my Account. No inactivity, No Fraud, No Risk issues. So absolutely no reason to have closed any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
I am filing this complaint because TransUnion is reporting information that I believe is inaccurate or unverified. My disputes with TransUnion have not resulted in proper validation. 

CHARGED-OFF / COLLECTION ACCOUNT XXXX  Acct : XXXX Reported XX/XX/year> Balance : XXXX TransUnion has not provided documentation confirming the accuracy or validity of this account. 

There are no inquiries or late payments under dispute with TransUnion at this time. 

I request that TransUnion validate this account or delete it if they can not provide proper verification in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Dear Equifax, I am writing to dispute the following charged-off accounts on my credit report. These accounts were reported inaccurately, and I am requesting a thorough investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 XXXX XXXX  I am also disputing the following unauthorized credit inquiries that I believe to be inaccurate or unauthorized. Please investigate and remove them if necessary 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 2025-11-21 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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