vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Nelnet regarding concerns over unauthorized access to my federal student loan records. In early 2025, reports surfaced that the Department of Government Efficiency ( DOGE ), associated with XXXX XXXX, XXXX have accessed sensitive borrower data in violation of federal privacy laws ( XXXX ). 

I reached out to Nelnet formally requesting an investigation, full disclosure, and consideration of loan discharge due to this breach of trust. I am deeply concerned that my personal information may have been mishandled, and I have received no assurance that my records remain secure. 

I am requesting that CFPB conduct an inquiry and compel Nelnet to respond transparently and fairly to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to mt life and credit health.

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express Business Gold Card on XX/XX/XXXX through the official American Express website. The application was made using the welcome offer link for XXXX Membership Rewards points after spending {$15000.00} on eligible purchases within the first 3 months of cardmembership. I successfully completed the required spending of {$15000.00} within the first 3 months as per the offer terms. Despite meeting the requirements, I did not receive the promised XXXX Membership Rewards points. In fact, I received a separate email on XX/XX/XXXX ( over 3 months after applying ) which included another welcome offer for the same card I already owned, leading me to believe there was an issue with my initial offer. 

Over the following months, I contacted American Express multiple times to inquire about the status of my points. Each time, I was advised to wait for the points and follow up as necessary. I even contacted them a month after meeting the requirements to check the status and was not informed at any point that my welcome offer had been declined. After several months of trying to resolve the issue, American Express opened a case on my behalf. It was only after this case was opened that I was informed by their support team that there was a note in their system indicating that the welcome offer was allegedly declined at the time of my card opening. This is the first time Ive been made aware of this information. 

I was never notified, either on-screen during the application process or after, that the welcome offer had been declined. If such a notification was indeed displayed, it was not sufficiently visible or clear enough for me to notice. Furthermore, at no point did American Express notify me after I completed the spending requirement that the offer was declined. Given this information, I believe the lack of clear notification regarding the decline of my offer is unfair, especially as I was not made aware of it in a timely manner despite my repeated inquiries. I respectfully request a review of my case, with consideration to the lack of proper notification and the failure to inform me about the declined offer during my many attempts to follow up. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-02 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
~ vehicle was repossessed while payments were being made XXXX did not authorize recent attempts ally financial made to withdraw money from my bank which resulted in {$70.00} in overdraft fees. 
i have formally disputed the deficiency balance and demanded debt validation the FALSE or unverified credit reporting is damaging my credit I am Filing this complaint against Ally Financial regarding a vehicle loan that resulted in an unlawful repossession, unauthorized banking activity, and a disputed deficiency balance. 
While I was actively making payments, Ally Financial repossessed my vehicle without judicial due process. following that, they attempted to withdraw funds from my personal bank account without authorization on two separate occasions resulting in a {$70.00} overdraft fees from my bank. 
I have formally disputed the alleged deficiency balance and demanded debt validation under my afforded by the FDCPA and UCC. I also sent a certified letter demanding remedy and cease in collection efforts until the matter is resolved. 
If Ally Financial has reported this alleged balance to credit bureaus, I assert it is inaccurate, unverifiable, and must be removed! I am requesting that Ally Financial immediately stop all collection activities, reimburse the overdraft damages caused by unauthorized debits, and cease any negative credit reporting related to this matter. 
I request the CFPB oversight and investigation into Allys actions, and that Ally respond with full debt validation, accounting records, and a remedy for the damages caused,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: RFNA, LP
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS THE ONLY INFORMATION THAT SHOULD BE SHOWING ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report the account from XXXX XXXX  ( partial account number XXXX ) with inaccurate, outdated, and unverifiable information. 

The account is reported as charged-off with a {$550.00} balance and a {$400.00} credit limit, despite having no payment activity or updates since XX/XX/year>. The charge-off status appears to be reported monthly without any evidence of collection efforts or new information. 

Furthermore, Equifaxs reporting is inconsistent with other bureaus. While XXXX  reports the account as closed on XX/XX/year>, and XXXX  shows it as " closed by credit grantor, '' Equifax fails to mark it as closed at allcontributing to misleading and contradictory information in my credit profile. 

No documentation was ever provided following my prior dispute, and essential Metro 2 data fields are missing, including payment history, scheduled payments, and closure date.

These issues constitute clear violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracythis report contains outdated and conflicting data.

15 U.S.C. 1681i ( a ) : Mandates deletion of information that can not be verified during a reinvestigation.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from reporting unverifiable or obsolete data. 

Federal precedent from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX University makes it clear that unverified or inconsistent data must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report the account from XXXX XXXX  ( partial account number XXXX ) with inaccurate, outdated, and unverifiable information. 

The account is reported as charged-off with a {$550.00} balance and a {$400.00} credit limit, despite having no payment activity or updates since XX/XX/year>. The charge-off status appears to be reported monthly without any evidence of collection efforts or new information. 

Furthermore, Equifaxs reporting is inconsistent with other bureaus. While XXXX  reports the account as closed on XX/XX/year>, and XXXX  shows it as " closed by credit grantor, '' Equifax fails to mark it as closed at allcontributing to misleading and contradictory information in my credit profile. 

No documentation was ever provided following my prior dispute, and essential Metro 2 data fields are missing, including payment history, scheduled payments, and closure date.

These issues constitute clear violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracythis report contains outdated and conflicting data.

15 U.S.C. 1681i ( a ) : Mandates deletion of information that can not be verified during a reinvestigation.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from reporting unverifiable or obsolete data. 

Federal precedent from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX University makes it clear that unverified or inconsistent data must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the 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 in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX : {$18000.00} Open Date XX/XX/XXXX, Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: IL

Complaint narrative:
I took out a loan of {$600.00} and they are charging an interest rate of nearly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've reached out to them vial email to cease their withdrawals from my bank account and they've responded leaning on their tribal protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
This is a formal follow-up to my previous dispute concerning the following inaccurate and unverifiable accounts that still appear on my TransUnion credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX has already completed their investigation and removed these exact accounts from my credit file, confirming their inaccuracy and unverifiable status. The fact that TransUnion continues to report these accounts despite being notified of their disputed nature is negligent and harmful.

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 2025-06-02 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: PA

Complaint narrative:
I was on an IDR plan and making payments automatically on the XXXX of each month. On XX/XX/XXXX I received an email that stated : You now have additional time to recertify your Income-Driven Repayment ( IDR ) plan Apartmento our tol. aching in the die wear you XXXX a at our cure / bR plan to XX/XX/XXXX. 
This change will have no impact on your current loan repayment status or your current monthly payment amount. For instance, this means if you are currently in a forbearance, this change does not affect your forbearance. 
Based upon this change to your IDR plan recertification date, you will not need to recertify your IDR plan prior to XX/XX/XXXX. You should submit your recertification information to MOHELA at least 30 days prior to your new recertification date of XX/XX/XXXX. MOHELA will send you a reminder prior to this date to ensure documentation is submitted on time. 

Then on XXXX I received an email indicating that my account was placed on administrative forbearance without any notification or communication as to why? No payments have been deducted since XX/XX/XXXX and I am confused and trying to get information as to why this was done without my consent. I cant ever get through to an advanced representative and I am so tired and just want to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I had a car repo that started on XXXX  due to a XXXX party car dealership that closed down within 2 weeks. They had sold me a faulty car. I have trying to get in contact with them but had no luck. Ive been talking with credit acceptance and told me it was out of their control and I would potentially have to wait 7 years. 

It has been longer than 7 years and transunion and XXXX removed the repo from my credit. XXXX USED to show that it would be on record until last month of this year and that just magically disappeared and stilll showing on my credit

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