vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
In XXXX of XXXX, I received a credit alert from my credit card provider informing me that my credit score had dropped XXXX points due to a reported delinquency from Nelnet. This was the first time I became aware that any payment was due on my account in over a year. 

My loans were previously serviced by XXXX XXXX. The last email I personally received from Nelnet was dated XX/XX/XXXX, and clearly stated that the amount due was {$0.00}. I never received any follow-up emails or billing statements from Nelnet informing me that repayment had resumed, that a balance was due, or that I was at risk of delinquency between XX/XX/XXXX and XXXX of XXXX. 

I later discovered that Nelnet had been sending communications to my mother 's email address without my knowledge or authorization. There was zero communication to me, the legal borrower that billing statements were being sent to an email that I don't have access to and did not authorize. I did not change my contact information at any point, nor did I grant permission for loan notices to be redirected to another party. As the borrower, I was never directly notified of an upcoming payment or a due balance or altered account email. 

Upon receiving the credit alert in XXXX, I immediately paid the full overdue amount ( {$770.00} ) within 24 hours and enrolled in automatic payments to prevent this from happening again. I then contacted Nelnet to request a goodwill adjustment and to ask for information about their internal process for correcting credit reporting in cases like this. My goodwill request was denied, and I was only told to submit a dispute, despite clarifying that I was not disputing the accuracy of the report, but the failure to notify me prior to the delinquency being reported. 

This situation has resulted in severe and credit damage due to a breakdown in required borrower communication and servicing practices. I am requesting that Nelnet review and correct the credit reporting on this account based on the facts, the lack of proper notification, and the prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-23 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: VA

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a verified cardholder who became a victim of identity theft affecting both my American Express Platinum and Gold accounts. I submitted a police report and certified documentation, only to have over {$3900.00} withdrawn from my checking account during an active fraud investigationwhile I was enrolled in Amexs XXXX XXXX XXXX XXXX XXXX. I was assured no payments would be due, yet my accounts were closed without resolution. I later received a letter stating a dispute had been processed in error, with no further explanation. 
What followed was a breakdown of trust and security. Ive received relentless scam callsmany from individuals mimicking Amex representatives with XXXX XXXXXXXX XXXXasking for verification of my PIN and Social Security number. Some appeared to know internal Amex information. Ive also received spoofed emails, letters referencing unfamiliar accounts, and phone calls that began with Hello instead of Amexs official greeting. Despite all of this, Amex never requested multi-factor authentication, never froze the account properly, and never followed up on my fraud claim. 
My credit has been destroyed. My personal information appears to have been cloned or compromised, and I suspect XXXX spoofing or counterfeit card usage. I have spoken to dozens of representativesmostly XXXXmany of whom gave conflicting information, and none of whom followed through. This is not a minor error. Its systemic negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I had made a payment over for {$1500.00} on chime for a down payment and I was scammed I gave them all details all his social media accounts and name everything and they told me it was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX ( I bought XXXX pairs of XXXX shoes for {$77.00} in XXXX. 
On XXXX I returned XXXX pairs of XXXX. They refunded me {$46.00}. Promised me that I will receive my billl of remains ( {$30.00} something ) in the mail. I never receive it. 
On XXXX, a letter from Comenity Bank stating that my account was closed due to " recent delinquency '' This was a shock to me. Immediately, I contact XXXX, Representative XXXX told me that my total balance is {$100.00}. But don't worry that he would like to help me by giving me a waive on Late Fees, but only if I paid the total of {$43.00} right away. But he refused to give me a written confirmation. After I insisted to talk to his XXXX, XXXX, according to her, XXXX has no right to waive all Late Fees. {$43.00} is only the minimum payment. Despite it, she still unwilling to show me my bill and advised me go to my email if I want me to see it. I didn't find any email from XXXX ( but we successfully entered my account in XXXX 's }. 
After studying my bills : We have XXXX major concerns : XXXX. Paper Statement were never sent, despite XXXX policy stating " the customers with past-due accounts would still receive paper statements. '' I never receive any, which directly contributed to the problem. { XXXX in Attachment XXXX } XXXX. A {$30.00} purchase on XXXX was mounted to {$100.00} on XXXX. The customer care department try to fool me by twisting the minimum payment of {$43.00} as settlement figure, that was due to lack of transparency and pressure to " pay now '' scam. ( XXXX should have the telephone recording record. ) XXXX. A {$5.00} credit balance disappeared without explanation. In XXXX 's statement, it was listed as " Other Debt/ Refund ''. But I never receive this {$5.00}, where did it go? ( See attachment XXXX & XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WI

Complaint narrative:
I PAID THIS DEBT TO ANOTHER DEBT COLLECTOR BUT THIS COMPANY REPORTE IT TO THE CREDIT BUREAUS AND HAVE NOT DELETED THE REPORTING. THIS IS HURTING MY CREDIT SCORE TO OBTAIN A MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
First nelnet transferred loans ( loan group i disputed because loan type and amount was different 2-3 extra loans and in name of XXXX for XXXX ) to XXXX without notification. it was Maybe XXXX I'm not sure. Report I received from credit bureau was blank 0 loans, one active creditor only. Earlier in year, I received one or two statements from Nelnet then they stopped. my att account was hacked, email and phone compromised, stolen sims and no text received to reset or secure pin. I suspended one number. They changed phone under email to their number XXXX ascension XXXX is all i saw. Then the other phone stopped working. I got a new SIM this week.The odd thing is XX/XX/XXXX I tried to get my credit reports, XXXX  was mailed to correct address but ended up somewhere else after tracking.i sent Brief letter to XXXX concerning this phone on my phone account, hidden sender, and hacking .. I received missed calls from XXXX in XXXX but they said no loans with them after returning call.next old loan letters I wrote started disappearing and even ones I never mailed.as if someone was hindering me ... mail, theft, rerouting after certified complete and accurate. All of a sudden I get a loan forgery form from Nelnet in XXXX saying I reached out to and XXXX another letter saying i paid loans so denied, more odd activity and identity issues .. Before I could reach out I had drama after drama, theft of documents and issues with credit report no phones working. I don't know loan info because XXXX stopped sending and password blocked can't get in dept of ed. XXXX said they sent something.. I needed to know was there a dispute I got left out of? I need XXXXt to mail me what they are supposed to monthly. I applied for XXXX XXXX and I found out changes were made from dept ed ... I told them I don't know who services are .. things keep changing and no info from nelnet. It seems suspicious because of all struggles. Literally I don't trust XXXX because they lied too many times in past and they predate letter 19+ days prior to mailing this last one was post marked XX/XX/XXXX, yet dated XX/XX/XXXX. They also mark paid often on disputed loan first XXXX dispute with Great Lakes when no payments were made. nelnet and Great Lakes said my name was hyphenated, yet nelnet doesn't honor that info. They said their system doesn't hyphenate, but then it does. .someone started creating a trail changing name or hacking and modifying accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report I am writing to formally dispute the following inaccurate information on my credit report. I obtained a copy of my credit report from your trans union, equifax, and experian and I have notice two unknown accounts such as XXXX XXXX and XXXX XXXX reported on my credit report.I have already reached out all 3 credit bureau and no action was taken.I did not open or authorize a credit card with XXXXXXXX XXXX  or XXXX XXXX.Therefore, I have already submitted a FTC report, remove any unknown adddress from my credit report and also I added a freeze on my credit. 


I request that the account ( s ) listed above be removed from my credit report immediately, as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). According to 15 U.S. Code 1681c-2, credit bureaus required to block the reporting of this information to prevent further harm to me as a victim of identity theft.This block must occur within four ( 4 ) business days of receiving my request and supporting documentation.However all 3 credit bureaus did not obey the laws that I have mention which is why I want to make a compliant.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wallet and phone were pickpocketed while I was traveling abroad in XXXX, XXXX. They charged the card multiple times with a total of {$1000.00}. 

I called the bank and told them it was stolen but they said the claim was denied to the card being physically used. Which would make sense since I didnt have the card on me after it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
aCCOUNT # XXXX REPORTED TO MY CREDIT ON XX/XX/XXXX AAND i INCLUDED OT MY XX/XX/XXXX BANKRUPTCY CASE NUMBER # XXXX THE XXXX XXXXXXXX WAS OPENED IN XX/XX/XXXX AND THE XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  WAS OPENED XX/XX/XXXX AND THEY FILED IT ON THE DAY ( XX/XX/XXXX ) OF MY BANKRUPTCY DISCHARGE ILLEGALLY THESE ITEMS WERE ILLEGALLY REPORTED TO YOUR BUREAU AFTER THE JUDGED DISCHARGED THEM IN MY BANKRUPTCY ON XX/XX/XXXX

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against cash app for inadequate customer service and unfair practices which violates the consumer financial protection act specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account unprotected. Furthermore their dispute resolution process was unfair as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E and 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 2025-05-23 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-05-23 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I financed a coaching program from XXXX through Affirm for {$4900.00} ( total balance with interest {$6400.00} ). The program promised to reset my metabolism and produce visible physical results. I followed the program completely with no results. XXXX advised restarting, which I did, again without results. Despite this, XXXX denied a full refund. 

I submitted a formal dispute and request for cancellation through Affirm and XXXX. XXXX offered a partial refund only. Affirm continues to report the loan to credit bureaus, harming my credit and finances. I requested the balance be canceled and removed from credit reporting. Affirm has not resolved this. 

Ive submitted a XXXX  complaint, emailed both companies, and provided documentation. This loan is tied to a failed product that was not delivered as advertised. I am seeking CFPBs help to close the balance and prevent further financial and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief