vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report and to request the removal of a student loan account XXXX that I believe is being reported in error. This account is the result of identity theft. I did not apply for, authorize, or benefit from this student loan. I am requesting that this fraudulent account be removed from my credit file immediately under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 
I obtained a copy of my credit report from your agency and noticed that the following account is inaccurately reported : Creditor Name : Nelnet Account Number : XXXX 15 USC XXXXXXXX 15 USC XXXXg

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 proce 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 XXXX 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 2025-05-03 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau due to multiple unresolved inaccuracies and procedural violations within my credit reports, despite several detailed dispute letters sent to Equifax, Experian, and TransUnion between XX/XX/year>, and XX/XX/year>. 

These disputes, mailed via XXXX with verified tracking and proof of delivery, addressed unauthorized inquiries, unverifiable accounts, and reporting inaccuracies that have directly impacted my financial standing and creditworthiness. I provided all required identifying documentation and cited relevant statutes under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation within 30 days.

15 U.S.C. 1681b : Reporting of inquiries made without my consent or permissible purpose.

15 U.S.C. 1681e ( b ) : Lack of maximum possible accuracy in reporting. 

Despite following proper procedures and allowing the appropriate window for response, the credit bureaus either : Verified unverifiable accounts without providing evidence, Ignored my detailed disputes entirely, or Failed to remove clearly inaccurate and unauthorized entries. 

This negligent behavior not only violates federal law but also reflects a systemic disregard for consumer protections and due process, as further underscored in the landmark case XXXX v. TransUnion. The financial and reputational harm I continue to endure is unacceptable, and my rights as a consumer are being denied through inadequate investigations and failure to uphold their obligations under the FCRA. 

I have copies of all original dispute letters, certified mailing receipts, responses ( or lack thereof ), and supporting documentation available for your review upon request. I am now seeking the CFPBs intervention to : XXXX. Investigate the non-compliance and negligence of the credit reporting agencies involved, XXXX. Ensure the deletion or proper verification of the disputed accounts and inquiries, and XXXX. Enforce regulatory penalties if these agencies are found to be in violation of federal law. 

If this issue is not resolved through your office, I am prepared to escalate my complaint to the State Attorney General, the Federal Trade Commission ( FTC ), and pursue further legal recourse as needed. 

Thank you for your time and advocacy in protecting 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 2025-05-03 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:
On XX/XX/year>. I sent my FTC report and license to Experian XXXX Transunion

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I did not receive a demand letter from debt collector. Even if they used an old address, they may be violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires debt XXXX to provide a specific written notice within XXXX days of their initial contact, including the amount of the debt and your right to dispute it. My sevicer was myfedloan and all knformation was correct and up to date. My loans moved to Nelnet and my account info somhow reverted to my XXXX address which is almost XXXX years out of date. Nelnet had my old address on file before I updated it on XXXX, XXXXXXXX XXXX. I was never given a demand letter or phone call. I have disputed the collections as I have the right to be informed under the FDCPA. My credit MUST be fixed. Nelnets failure to protect my consumer rights cause my credit to drop from and EXCELLENT rating of XXXX to the XXXX. They damaged my credit while I was in the process of buying a home which I have now lost. ADDITIONALLY, my loans were deferment and somehow increased form XXXX XXXXXXXX to XXXX XXXX It was my understanding that XXXX interest would be charged while in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested several times a debt validation and the company has not provided a debt validation. I have requested this with the assignment contract, according to XXXX vs XXXX this is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate and unverifiable items on my credit report, which I formally disputed with them but have not been properly addressed. The disputed accounts include : An auto loan with XXXX XXXX reporting a late payment with a balance of {$22000.00}. 
Two XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting late payments with balances of {$2000.00} and {$3500.00}. 
XXXX collection accounts from : XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$3700.00} XXXX XXXX XXXX XXXX XXXX ) for {$170.00} XXXX XXXX XXXX ( XXXX XXXX ) for {$470.00} These accounts are either inaccurate, unverifiable, or not mine. I requested that Experian investigate and provide validation for these items in accordance with the Fair Credit Reporting Act ( FCRA ). However, Experian failed to provide proper documentation validating these accounts within the 30-day investigation period. 

Additionally, these negative entries are negatively impacting my credit standing, affecting my ability to secure affordable credit. I am requesting that the Consumer Financial Protection Bureau assist in compelling Experian to remove these inaccurate, unverifiable items from my credit report. 

I have also retained records of my communication and dispute request sent to Experian, which I can provide if necessary.

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 2025-05-03 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: GA

Complaint narrative:
What happened : I submitted a dispute to Experian regarding the XXXX XXXX account on my credit report. Experian responded that the dispute was completed. However, the account is still inaccurately reported as under dispute or consumer disputes this account. 

This is a violation of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Since Experian has confirmed the dispute is closed, but continues to report it as ongoing, they are failing to ensure the accuracy and integrity of the information being reported. 

This misrepresentation affects my credit profile and has the potential to mislead lenders. I have contacted Experian about this, but they have failed to remove or correct the disputed notation. 

Requested resolution : Due to Experians violation of XXXX U.S. Code XXXX ( b ) and their failure to report the account accurately, I am requesting that the CFPB require Experian to delete the account entirely from my credit report. 

I am attaching documentation, including : A copy of Experians statement confirming dispute completion A recent copy of my credit report showing the dispute flag still present

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 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : XXXX copy of my credit report XXXX. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX ( All the students loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute certain information on my credit report that is the result of identity theft, and to formally request that this information be blocked from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

The following accounts or items are fraudulent and do not relate to any transactions I have made or authorized : Fraudulent Account ( s ) or Item ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description : Unauthorized auto loan account opened in my name In compliance with the requirements of FCRA 605B ( b ), I am providing the following documentation to support my request : A copy of an identity theft report, which I filed with Identitytheft.gov on XX/XX/XXXX A written statement, affirming under penalty of perjury that the information identified above is the result of identity theft and is not related to any transaction I made or authorized Under FCRA 605B ( a ), you are required to block the reporting of this fraudulent information within four business days of receipt of this letter and supporting documentation. 

Please send me written confirmation once the fraudulent items have been blocked from my credit report. If you require additional information from me to process this request, feel free to contact me at the phone number or email address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of identity theft 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one cant just freeze the funds from the account stating that the account is under investigation because they couldnt verify that my phone number is under my name, which it is, I have a plan with XXXX under my name and my mom and spouse are there, but Im the account primary holder. Days passed by and they are not resolving anything or even transferring the money back to the checking account I transferred from, from the same bank, and an account I have for over a year now I guess. How they are making their decisions to investigate its for kids

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX  for noncompliance with the Real Estate Settlement Procedures Act ( RESPA ) and related Consumer Financial Protection Bureau ( CFPB ) regulations. 

XXXX recently acquired servicing of our mortgage in XX/XX/year>. We have questions about payments, due dates, and the servicing of our mortgage between the prior servicer and XXXX. 

Due to this uncertainty and the lack of verification of XXXX right to collect payments, I submitted a Qualified Written Request ( QWR ) on XX/XX/year>. XXXX received it via certified mail on XX/XX/year> ( Tracking # : XXXX ). The XXXX requested documentation confirming XXXX 's servicing authority and clarity regarding the account status. 

Under RESPA ( 12 U.S.C. 2605 ( e ) ), XXXX was required to : Acknowledge receipt of the QWR within XXXX business days Provide a substantive written response within 30 business days As of today, XXXX has failed to acknowledge receipt of the QWR placing them in violation of the 5-day acknowledgment requirement. Additionally, before the 30-day response deadline expired, XXXX issued a foreclosure threat via formal written notice, despite the fact that the QWR remains unresolved. 

This action constitutes a further violation under CFPB Regulation X ( 12 CFR 1024.41 ), which prohibits mortgage servicers from initiating or advancing foreclosure proceedings while a borrowers QWR or notice of error is pending. 

The ongoing lack of communication, failure to comply with RESPA deadlines, and initiation of foreclosure proceedings during a pending dispute has caused unnecessary emotional distress and hardship.

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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: TX

Complaint narrative:
According to FCRA section 1681 it is illegal to report anything on my credit report without my permission. Please remove this negative item of account number CARMAX beginning with XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I recently reviewed a copy of my credit report and noticed that an account is incorrectly reported as having a balance or negative status, even though it was paid in full. 

The account in question is listed as follows : Creditor Name : JPMCB CARD Account Number : Reported Issue : [ NEGATIVE AND HARMFUL ON CREDIT REPORT/delinquent ] I am requesting that the inaccurate information be investigated and corrected to reflect no remarks or negative remarks on credit score Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. I request that you complete your investigation within 5-days time frame as I am suffering from inaccurate information If the information is found to be inaccurate, please remove or correct it on my credit report and provide an updated copy. 



XXXX  REPORT NUMBER. XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
I am attempting to close my personal bank account with Huntington National Bank. Despite multiple efforts, the bank is refusing to process my account closure. 

Specifically, I brought the account balance to exactly {$0.00} and ensured that all pending transactions were canceled. Additionally, I proactively disabled all mechanisms that would allow the account to be debited beyond {$0.00} to prevent overdrafts. 

Despite these steps, Huntington continues to allow transactions to debit the accounteven when the balance is zerocausing it to reflect a negative balance. When I contact the bank to close the account, they state that it can not be closed due to the negative balance created by these unauthorized debits. I have confirmed that I revoked all permissions for any auto-debit activity prior to attempting closure. 

In effect, Huntington is using artificially created overdraftsenabled against my explicit preventive measuresas justification to keep the account open. This has resulted in a cycle where I am unable to close the account due to new unauthorized activity that I have taken technical and administrative steps to prevent.

I am hundreds of miles from any Huntington branch and have been told I must visit one in person, despite the banks stated ability to close accounts by phone or mail when branch access is unavailable. Their phone support has been uncooperative and unwilling to escalate or resolve the matter.

Desired Resolution : I am requesting that the OCC investigate this matter and compel Huntington Bank to : Close the account permanently.

Waive or reverse any fees or charges resulting from post-zero-balance debits.

Cease any reporting of negative activity to credit agencies relating to this account closure issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Re : Formal Dispute and Debt Validation Request under the FCRA and FDCPA To Whom It May Concern : This letter serves as a formal dispute and request for debt validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am writing to dispute an account listed on my credit report under the name XXXX XXXX XXXX with account number XXXX. 

I am requesting that you investigate and validate this account, and provide all documentation used to verify its accuracy. In accordance with the FCRA, please complete this investigation within 30 days. 

Please request the following information from the furnisher of this account : XXXX. A full payment history and breakdown of the alleged debt. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement. 
XXXX. Proof that the debt is within the statute of limitations for legal collection. 
XXXX. Documentation verifying the accuracy and legitimacy of the account. 
XXXX. Chain of title proving the debt was legally transferred to the current holder. 

If the furnisher of this information can not provide full verification, I request that this account be removed from my credit report entirely and that you provide confirmation of its deletion in writing. 

Failure to comply with these requirements may be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On several occasions, my employer has received text messages concerning an alleged debt that I supposedly owe. These unsolicited communications not only infringe upon my privacy but also create a persistent atmosphere of harassment. The continuous nature of these messages adds to my distress, as it feels like my personal matters are being unjustly broadcast to others.

Company response to consumer: Closed with non-monetary relief