vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
It started with a phone call from a scammer representing a loan company. The scammers used the name XXXX XXXX. The conversation talked about there ability to to bring my XXXX XXXX high enough to qualify me for a XXXX loan. Next they asked me if I wished to proceed. I was interested because this may help me to control my payments and interest I was paying on some loans. Next step was my banking information requested by these scammers representing a loan company. The moment they had access was the beginning of my downfall. What they were doing was requesting claims on my behalf the bank started reversing payments made to the merchants. The tricky part was telling me that deposits in my account came from them. They asked me to return the money to them. By the time I realized what was happening they had made a lot of transactions. What really triggers me to ask the bank what was happening to my was that payments I already made were now reversed. 
One merchant was my mortgage. I had made payment to the mortgage company that now were not received. When I ask them what happened they said check with your bank because now the ACH payment were of a non sufficient funds. These activity cause me too be behind XXXX payments. 

This activity happened for more than XXXX weeks with transactions in the form of claims requested on my behalf by these bad actors. 

When I informed the bank about the identity fraud to stop processing the claims they began charging my account for all claims not closed The damage caused my account to be overdrawn for the amount of over {$6000.00}. Now I'm facing to loss behind on my payments to the mortgage company and owe the bank over {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

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 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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
XXXX XXXX corporate office keeps calling me multiple times a day and multiple times a week. I just had a cease and desist placed on the account because of this not too long ago. Now the corporate office keeps calling non-stop with abusive language. I told the corporate office I made arrangements with the XXXX NC branch. I paid one payment to the XXXX NC branch recently. I then informed them I will make payments to get caught back up, each month until the account is current. Apparently they did not inform the corporate office of this. This has to stop. It is aggravating my XXXX from being a combat veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1994 SSN ( Last Four ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX To : TransUnion, Experian, and Equifax Subject : Reinvestigation Request Inaccurate Collection Account Reporting Creditor Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} To Whom It May Concern, I am writing to formally request a reinvestigation of the above-referenced account that is being reported on my credit file. I believe this account may contain incomplete or incorrect information, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S. Code 1681i ] to request a reinvestigation into its accuracy. 

I am not including detailed explanation or documentation at this time. I am merely requesting that the bureaus carry out a thorough reinvestigation and verify the validity of all data associated with this account. 

If the outcome of this reinvestigation results in the account being verified as accurate, I hereby request within this dispute that you provide the full Method of Verification ( MOV ), including : The name and contact information of the furnisher ; The method used to verify the information ; The description of the procedure used to determine the accuracy and completeness of the reported information. 
This request for the Method of Verification is not to be treated as a separate communication. I am clearly invoking it now, contingent upon any result that verifies the account as accurate, as permitted by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Please note, continued reporting of unverifiable, inconsistent, or incomplete information may constitute willful noncompliance under the FCRA. 

Please complete this reinvestigation within the legally required 30-day time frame and send a full report to my mailing address or email listed above. If this account is verified as accurate, I again request the full Method of Verification within this same response including the contact information for the data furnisher, a description of the procedure used to verify, and the name or department responsible for this reinvestigation. Additionally, please retain and be prepared to provide any documentation used in this process, as I reserve all rights under the FCRA in the event of continued reporting of unverifiable or inconsistent information. 

Additionally, if this account was verified using any third-party communication or documentation, I request that you retain all records, communications, and verification responses used in this reinvestigation in accordance with FCRA data retention obligations. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Direct Cash LLC
State: TX

Complaint narrative:
My debt was sent to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their Attorny by the name of XXXX called me first along with other parties, when I found out a year ago, I called direct cash to ask why havent they emailed, or mailed me anything, XXXX of the representatives stated they was unaware of the situation didnt know what was going on. I received multiple phone calls from XXXX XXXX leaving me voicemails about coming to my job or my home to serve me, they called my job which was embarrassing XXXX lady claim she would have a constable come to my job to serve me. I received another call back in XXXX from another lady threatening me about court I told her my situation and her response was so your still struggling? Yes I am my rent has gone up but they didnt care so they pressed me into setting up payment plan that again I already explained I can afford I would like XXXX XXXX to stop contacting me and take me off this payment plan until I can figure out my budget, I do have another financial obligation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX, XXXX, a XXXX XXXX at XXXX XXXX, incorrectly included a XXXX XXXX from XXXX XXXX in my XXXX tax filing, falsely inflating my reported income. This mistake led to my refund being withheld, violating IRS Taxpayer Rights and IRC 6402, which mandates accurate reporting and timely refund processing. 

On XX/XX/XXXX, the IRS notified me that my refund was under review. Upon contacting the IRS, I was informed that the W-2 error caused the delay. Despite repeated attempts, XXXX XXXX has failed to correct their mistake, leading to financial hardship and unnecessary stress. I originally thought that I did not receive the XXXX XXXX  due to identity threat, but realized it was not ever loaded on the card for me to access Additionally, I filed two complaints with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, and XX/XX/XXXX, after an unauthorized {$55.00} fee was deducted twice from my American Express Serve account for a monetary relief fund that I could not access due to account restrictions. Despite verifying my account as instructed, American Express Serve locked me out of my account and denied access to my funds. 

Legal Violations These actions violate IRS regulations, the Truth in Lending Act ( TILA ), the Electronic Fund Transfer Act ( EFTA ), and federal consumer protection laws. Specifically : Failure to ensure accurate tax reporting, resulting in wrongful withholding of my refund. 

Unauthorized financial deductions and misrepresentation, falsely asserting that I received a XXXX XXXX. 

Obstruction of account access and failure to provide transparency, restricting my ability to access funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-06 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OK

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-06 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: FL

Complaint narrative:
I am filing this formal complaint against Nelnet for improper loan servicing, violations of federal credit reporting laws, and mishandling of my student loan account, which has caused severe and lasting damage to my credit. 

Since 2018, I have been enrolled in a federal Income-Driven Repayment ( XXXX ) Plan originally serviced by XXXX XXXX XXXX My enrollment has remained consistent through significant events including the XXXX national emergency. There were no missed payments or delinquencies, and I received no notifications regarding any issues with my repayment plan. 

After Nelnet took over servicing, they illegally and unilaterally altered my repayment plan and reported my loans as delinquent and in default without providing any prior notice, opportunity to recertify, or time to cure. This violates numerous consumer protections and has resulted in derogatory entries on my credit report, including backdated late payments that never occurred. 

These actions constitute the following violations : 1. Violations of CFPB Loan Servicing Guidelines and XXXX Plan Rules Per Federal Student Aid and CFPB regulations, servicers must send advance notice regarding XXXX recertification and can not place loans in default without due process. Nelnet failed to follow these protocols, violating my rights as a borrower. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) Nelnet furnished inaccurate and misleading credit data to the major credit bureaus by reporting false delinquencies and retroactively assigning late payments. This contradicts FCRAs requirement that data furnishers report accurate, timely, and verifiable information ( 15 U.S.C. 1681s-2 ). 

3. Failure to Comply with CARES Act Protections If any of these negative entries date back to the federally mandated payment pause under the CARES Act, that would violate the prohibition on negative reporting during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation