vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The following account is no longer in dispute. Please remove the disputed notations from my credit report and provide confirmation. In connection with my revolving credit card account with Goldman Sachs Bank USA, I am composing this correspondence. I recently discovered that my credit reports contain a consumer statement or remark that suggests that this account was previously disputed. At this time, I am no longer disputing any information about this account, and I respectfully request that any dispute-related comments or notations be removed off my credit report. I genuinely value your time and comprehension in resolving this issue expeditiously. This matter is immediately impacting my livelihood and financial stability, and your support in ensuring precise reporting will significantly contribute to a positive outcome. If this account is not updated properly that means your agency will be in violation of 15 USC 1681i and legal action will be pursued immediately. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet has reported me late with student loans for over XXXX years. I recently consolidated my student loans with another agency. Nelnet needs to delete all references to my student loans permanently. I have reported their poor handling of my student loans to the Department of Education under separate cover. 

DELETE ALL PAST STUDENT LOANS EFFECTIVE IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am submitting this formal complaint against XXXX regarding the inaccurate and damaging reporting of a late payment on my credit file. The reported account details are as follows : Creditor : DiscoverCard Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/year> Reported Issue : Late Payment I strongly dispute this reporting because I have never made any late payment on this account. The reported derogatory information is factually incorrect and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires furnishers of credit information to provide accurate and complete data to consumer reporting agencies.

This false late payment entry has negatively impacted my credit score and caused undue harm to my financial reputation. I have reached out to the credit bureaus and the furnisher to correct this error, but the issue remains unresolved. 

I am requesting that the CFPB investigate this matter immediately and require XXXX to : Conduct a full and proper reinvestigation of this account. 

Provide documented proof of any alleged late payment ( if such evidence exists ). 

Correct or delete the inaccurate late payment entry from all credit reporting agencies. 

This inaccurate reporting is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

I trust the CFPB will take this matter seriously and ensure that XXXX complies with all federal consumer protection laws to restore the accuracy of my credit file. 

Thank you for your attention to this issue. I am attaching copies of my credit report and any relevant correspondence for your review.

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 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX Email : XXXX Phone : XXXX Complaint Against : Experian Information Solutions , Inc . 
Address : P.O. Box 4500, Allen, TX 75013 Summary of Complaint : On XX/XX/XXXX, I mailed a formal FCRA dispute letter to Experian, disputing multiple inaccurate, outdated, and unverifiable accounts that are still being reported on my credit file. It is now XX/XX/XXXX, and I have received no reinvestigation results, no written response, and no action from Experian. This is a serious violation of federal law and my consumer rights under the FCRA. FCRA Violations : FCRA 1681i ( a ) ( 1 ) ( A ) : No reinvestigation initiated within the required XXXX window. FCRA 1681i ( a ) ( 5 ) ( A ) : No deletion of unverifiable accounts despite failure to investigate. FCRA 611 : No proper communication or results of dispute provided to me as required by law. Accounts Still Reporting with No Reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX {$1900.00} XXXX. XXXX XXXX XXXX XXXX at XXXX XXXX Account # : XXXX {$400.00} XXXX. XXXX XXXX # XXXX Account # : XXXX {$4800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$3700.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2400.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$3200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$1800.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2000.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX # XXXX Account # : XXXX {$2100.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX {$160.00} Charge-off Requested Relief : I am requesting that the CFPB take immediate enforcement action against Experian for willful non-compliance. These accounts should be deleted immediately as Experian failed to respond, failed to verify, and failed to meet the legally mandated timelines. I am prepared to escalate further if compliance is not enforced

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 2025-10-30 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: NJ

Complaint narrative:
I am filing this formal complaint against two furnishersXXXX XXXX and XXXX XXXX XXXX XXXXfor inaccurate and misleading information being reported to the credit bureaus. These inaccuracies are negatively affecting my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXXXXXX XXXX  Account # XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment I dispute the accuracy of this reporting. The account history reflects late payments that are completely false and unverifiable. I have never made a late payment on this account, and therefore, the late payment status is inaccurate and constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. I am requesting that the CFPB direct XXXXXXXX XXXX  to immediately correct this false information and update the reporting to reflect a perfect payment history. 

XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported Issue : Charge Off I have no knowledge of this account being charged off, nor do I have any record supporting such a claim. Reporting an account as Charge Off when I have no delinquency, collection notice, or default history constitutes false reporting under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ), which require accurate and verifiable information. I am demanding the complete deletion of this account from all credit bureau reports unless the furnisher can provide verifiable proof of this charge-off, including signed documentation and payment records. 

Both of these furnishers have failed to maintain the standards of accuracy, fairness, and verification required by law. Their reporting has caused harm to my credit standing and emotional distress. 

I request that the CFPB investigate both furnishers immediately, ensure full compliance with the FCRA, and require them to either correct or delete the inaccurate and unverifiable information from my credit reports. 

Please confirm receipt of this complaint and provide updates regarding the investigation and actions taken against these furnishers.

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 2025-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
I inquired about disputing the current balance and requested a statement showing the original debt and all payments made to the account. A representative advised me to review my bank statements. I replied that this did not address the disputed amount. She then told me to look online. I explained that the online portal only displays the current balance and does not include any documents or account history. She stated that she was unable to provide the account history and could only tell me the original debt amount over the phone. I responded that this information was insufficient to resolve the dispute. She concluded by saying she could not assist further and that there was nothing else she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
First I had one account and something on XXXXXXXX XXXX  took XXXX dollars of my money for four weeks straight adding up to XXXX XXXX I never received the money back and they closed my account not refunding me. Then I made a new account new number new email, but now they are saying this new account I just created is closed cause I was in violation. Id like to know what violation I'm in and how we can resolve this problem and get my money back from before. I don't appreciate getting ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
deposited a ssdi back payment check XX/XX/XXXX for the amount of about {$21000.00} in my personal checking account. Chase bank put a hold on the check was told it should clear in about 10 business days. they didn't release the hold on the check and said they are waiting on a response email from either social security or the treasury department. Chase bank closed my account with the ssdi payment still in it and restricted my access to that account i had to have social security reissue the ssdi back payment check again and opened a new account in XX/XX/XXXX and received the funds from the 2nd check i had issued and also instructed chase bank to return the funds of the 1st check or give me the check so i can return to social security. they refused multiple times to do either social security is now deducting money from my ssdi payment monthly to repay fund from the check chase bank hold the funds in the closed account and refuses to return to social security or release to me so i can return the fund to social security. it will be a year in XXXX that I've been trying to get this resolved with social security and chase bank. I contacted the treasury department about why they haven't responded to chase bank i was informed they do not respond to emails or phone calls and all banks know to go through a website to clear the treasury check. Chase bank refuses to give me anything in writing about the situation with the ssdi check to give to social security. social security has said both checks have cleared and i have to deal with Chase bank to get the funds or check back so i can return to social security. It is my belief that this because this is all due to the fact this was the fact that it was the first check issued to me without having a payee and because I'm autistic. chase bank was aware that i had a payee before i received the ssdi check please help if you can thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My payroll deposit for XXXX  was rejected by Cash App, citing a " name verification '' failure, despite my name and account being unchanged from successful past deposits. I provided them with my Driver 's License and Social Security Card as proof, yet they still refused the deposit and refused to provide the official written ACH Return Description. I require this code to access my earned wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
bankrupcy that did not occur should not be reported

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
Money was sent from my account to the wrong chime account so I wanted to Dispute the transaction as of XXXX Amount {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I was a victim of identity theft. As a result several accounts were opened under/in my name. Over the course several years, I reached out to the companies where fraudulent accounts were opened and the majority of the companies removed the fraudulent accounts as required by section 623 of the FCRA - federal law. However, the following companies did not respond nor remove the fraudulent accounts which they are required to by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - A LAWSUIT AGAINST ME WAS ALSO FILED AND DISMISSED DUE TO INACCURATE INFORMATION AND FAILURE TO APPEAR BY THE COMPLAINTANTS.

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 2025-10-30 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:
I was a victim of identity theft. As a result several accounts were opened under/in my name. Over the course several years, I reached out to the companies where fraudulent accounts were opened and the majority of the companies removed the fraudulent accounts as required by section 623 of the FCRA - federal law. However, the following companies did not respond nor remove the fraudulent accounts which they are required to by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - A LAWSUIT AGAINST ME WAS ALSO FILED AND DISMISSED DUE TO INACCURATE INFORMATION AND FAILURE TO APPEAR BY THE COMPLAINTANTS.

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 2025-10-30 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Inaccurate Reporting ( FCRA Violations ) Creditor : XXXX XXXX Account XXXXXXXX XXXX XXXX  To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ). I am challenging the accuracy and legitimacy of the information Equifax is reporting for the above-referenced account. 
Equifax is currently reporting : Account Status : Open Monthly Payment : {$0.00} Balance : {$490.00} Past Due : {$340.00} Payment Status : Late 90 Days Comments indicating Installment sales contract These entries contradict one another and violate 15 USC 1681e ( b ) ( maximum possible accuracy ). A {$0.00} monthly payment obligation can not legally create a 90-day late status. If there is no contractual payment due, the account can not simultaneously be reported as late or past due. 
Further, the historical late payment codes reported do not align with the Date Last Active ( XX/XX/XXXX ) and reported Date of Last Payment. This is false, misleading, and defamatory credit reporting. 
For this reinvestigation, provide supporting evidence : Original signed contract establishing any monthly payment terms Ledger showing exact due dates that Equifax claims were missed Proof notifications were issued prior to derogatory reporting Proof this account was ever 90 days delinquent Proof derogatory data was furnished in compliance with FCRA 623 If Equifax can not validate every disputed data point listed above within 30 days, federal law mandates deletion of the inaccurate information. 
Failure to correct or delete unverifiable data will leave me no choice but to : File a formal complaint with the CFPB, FTC, and SC Attorney General Seek statutory damages for willful non-compliance under 15 USC 1681n Please provide written results of your investigation within 30 days, as required by law, including an updated copy of my Equifax credit report. 
Sincerely, XXXX XXXX Enclosures : Drivers License, Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
On XXXX XXXX XXXX I placed an XXXX XXXX  order for a flower delivery from XXXX XXXX XXXX XXXX in the amount of {$83.00}. One minute after placing the order, I canceled it after realizing the merchant appeared closed. Despite this immediate cancellation and no goods or services being provided, XXXX charged me the full amount of {$83.00} ( {$68.00} to my American Express Platinum card and {$15.00} through XXXX XXXX funded by my Amex monthly benefit ). 

XXXX refused to refund me and repeatedly sent scripted responses claiming that the merchant had accepted the order within that one minute. I filed a dispute with American Express, which ruled in my favor and credited my account. 

After the dispute was resolved, XXXX locked my account and demanded repayment of the same amount before allowing me to use XXXX or XXXX XXXX  again. They would not allow me to use my Amex-funded XXXX XXXX credits toward this charge. This effectively punished me for exercising my right to dispute an improper charge. 

I ultimately paid XXXX again using another credit card just to restore account access. 

I am asking the CFPB to review XXXX billing and dispute-handling practices, including their retaliation against customers who file valid charge disputes, and to ensure American Express and XXXX manage their joint benefit programs fairly and transparently. 

Documentation of the transaction, XXXX correspondence, and payment proof are available upon request.

Company response to consumer: Closed with explanation