vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being 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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Nelnet due to errors in my student loan account. On XX/XX/year>, I noticed that my loan balance was incorrectly reported as {$9400.00}, despite having paid off the loan in full and receiving a refund from the IRS. Regardless, I was coerced by Nelnet to pay off the loan amount, which I did immediately and in full on that same day. This payment of {$9400.00} made on XX/XX/year> was misapplied, causing my account to reflect delinquency. I contacted customer service on XX/XX/year>, but they failed to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I make payments via chase/ XXXX XXXX to my landlord every month for the last 2 years for {$1800.00}. However, in one of the months, specifically XXXX of 2024, she did not receive the money of {$1800.00}. She has notification from XXXX that the money was sent to her but it is not showing up on her end of the statements. In my statements, however, it does show that the money was deducted from my account. We have called both chase and XXXX but they are refusing to help because it was a transaction that was done 14 months ago and that it was successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Illegal Reinsertion of Fraudulent Account FCRA Violation To whom it may concern, I am writing to file a formal complaint concerning a serious and repeated violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and a fraudulent account listed as XXXX XXXX ( Account Number : XXXX ) was opened in my name without my knowledge or authorization. 

After I submitted disputes to the major credit reporting agencies, the account was initially deleted from my credit reports. However, within days, the account was reinserted without proper certification or notice, as required by law. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a credit bureau may not reinsert previously deleted information unless the furnisher certifies the accuracy and completeness of the information, and the consumer is notified in writing within five business days of the reinsertion. Neither of these requirements has been fulfilled. 

I have also filed a fraud report with the Federal Trade Commission ( FTC ), yet the account continues to appear on my credit reportscausing ongoing harm to my credit profile and financial well-being. 

I respectfully request the following actions : 1. That the CFPB initiate an immediate investigation into this ongoing violation of the FCRA. 
2. That the credit bureaus be required to permanently delete this fraudulent account from all of my credit reports. 
3. That enforcement action be taken against any party found to be in violation of federal consumer protection laws. 
4. That I be advised on any further legal remedies available to protect my rights. 

Attached are supporting documents, including credit report excerpts, my FTC fraud report, and relevant correspondence. 

Thank you for your urgent 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 non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX Phone XXXX Date : [ XX/XX/XXXX ] Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX MN XXXX Subject : Dispute of Credit Reporting XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute the information being reported by your company regarding the following account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} I am disputing this account because the information currently being reported is incomplete, inaccurate, or the result of fraud, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 



Requested Resolution : In accordance with the FCRA, I am formally requesting that this account be [ insert requested resolution : corrected or deleted ] from my credit file to ensure that only accurate and verifiable information is maintained in my credit report. 



Please conduct an investigation into this matter and provide a written confirmation of the outcome. I expect your response within the 30-day timeframe outlined by the FCRA. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-04-30 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX and made a {$6000.00} down payment, followed by an additional {$1000.00} early payment before the first scheduled installment. The dealership did not disclose that XXXX XXXX was its in-house lender, and later transferred the loan to Green Road Finance without my consent or proper documentation. 

In early XX/XX/XXXX, my car was repossessed. I made two separate payments to recover the vehicle : A {$370.00} repo fee directly to Green Road Finance ( recorded on my loan ledger ) An additional payment to the repo/storage company ( receipt available ) After recovering the vehicle, I continued making payments, many of which were made on time. I have a complete payment history, including XXXX payments and receipts. Despite this, Green Road reported my account as 90+ days late in XX/XX/XXXX, while I was actively disputing the loan and requesting a full breakdown. 

I repeatedly asked Green Road, in writing, to send all communication by email or postal mail only. These requests were ignored. They failed to provide TILA disclosures, a payoff breakdown, or clear accounting of my payments. I also requested confirmation of the repo details and how the {$370.00} fee and other amounts were applied. 

The company has failed to act in good faith, misapplied funds, ignored consumer protection laws, and damaged my credit. I am seeking full review of this account and appropriate financial and credit corrections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent the following 'Debt Validation Request ' to National Credit Systems XXXX As of today they have failed to respond with to the requested information. I did receive a final statement from the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). My final statement reports a final balance of {$5900.00} while the amount National Credit Systems is trying to collect is {$6700.00}. I have requested that they provide a detailed report on why the amount they are attempting to collect is more than the original statement and they have failed to respond or provide any validation. 



National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX Subject : Debt Validation Request Dear National Credit Systems, I am writing to formally request validation of the debt you have reported and are attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request full validation of this alleged debt, including proof of its legitimacy and your authority to collect it. 
Please provide me with the following documentation : 1. Proof that I owe the debt, including a signed agreement or contract with my original signature.

2. A detailed account statement, itemizing the full amount claimed, including interest, fees, and payments made. 
3. Verification that you have legal authority to collect this debt, including a bill of sale and copy of any agreement between you and the original creditor. 
4. Proof that the statute of limitations has not expired for this alleged debt.

5. Details on how this debt was calculated and any relevant documentation from the original creditor.

6. Your state license number and proof of authorization to collect debts in my state. 
If you are unable to provide the requested documentation, I demand that you cease all collection efforts and remove any negative reporting related to this debt from my credit report immediately. 
Please respond in writing within 30 days of receiving this letter. Any further collection activity without providing the requested validation will be considered a violation of federal law, and I am prepared to take necessary legal action to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have an unauthorized charge in my Bank of America checking account. I was charged {$170.00} the morning of XX/XX/year>. I never provided my banking information to anyone. This charge is from my XXXX XXXX XXXX service provider XXXX. Bank of America is unable to dispute this charge because it is pending not processed. I do not know how the Department of Education, XXXX gained access to my banking information. I am also currently in Forbearance with XXXX until I figure out a repayment plan that I can afford. I do not have to make any payments until XX/XX/year>. Again, I do not know how the Dept. of Ed. Gained unauthorized access to my banking information, I never provided any of this.

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 monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates Account Number : XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete Account Number : XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank fraud reference # XXXX My checking account was drained by someone who was able to add my debit card to their applepay. They used applepay continuously to take all my money. I have filed a fraud dispute with citibank, but they are denying my claim because they said I am in possession of my debit card. What does that have to do with XXXX fraud? Someone was able to add my card to their phone. I did not lose my debit card so why am I being held accountable.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dispute # XXXX : I have disputed the addresses listed in my personal consumer report with TransUnion, Experian, and Equifax. Simple items and easy verifiable proof, such as XXXX XXXX  Screenshots of addresses for businesses, NOT personal addresses, have been provided to assist in deletion. The addresses and each bureau associated are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX Listed with TU/EXPRN/EQFX ; XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX with EQFX ; XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX My address for my Personal Credit Report, was provided to them to verify ( I sent XXXX Statement, XXXX  XXXX Statement, Utility Bills, and Insurance Statement ). Yet as I pull a credit report for today, Ref # XXXX, the addresses are still listed and are now listed as Main Addresses! This is the total opposite of what was requested. Please assist in removing the above-mentioned addresses from my three bureau credit report. 

Dispute # XXXX : I have disputed with EQFX a XXXX XXXX that is listed for Acct # XXXX XXXX XXXX XXXX XXXX. There is no creditor listed, no collections company listed, yet there is credit reporting each month. This is a non-verified, inaccurate file, and it has been shown to EQFX with no resolution or deletion as requested. Please assist in deleting this account with NO NAME.

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 2025-04-30 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: NC

Complaint narrative:
Dispute # XXXX : I have disputed the addresses listed in my personal consumer report with TransUnion, Experian, and Equifax. Simple items and easy verifiable proof, such as XXXX XXXX  Screenshots of addresses for businesses, NOT personal addresses, have been provided to assist in deletion. The addresses and each bureau associated are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX Listed with TU/EXPRN/EQFX ; XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX with EQFX ; XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX My address for my Personal Credit Report, was provided to them to verify ( I sent XXXX Statement, XXXX  XXXX Statement, Utility Bills, and Insurance Statement ). Yet as I pull a credit report for today, Ref # XXXX, the addresses are still listed and are now listed as Main Addresses! This is the total opposite of what was requested. Please assist in removing the above-mentioned addresses from my three bureau credit report. 

Dispute # XXXX : I have disputed with EQFX a XXXX XXXX that is listed for Acct # XXXX XXXX XXXX XXXX XXXX. There is no creditor listed, no collections company listed, yet there is credit reporting each month. This is a non-verified, inaccurate file, and it has been shown to EQFX with no resolution or deletion as requested. Please assist in deleting this account with NO NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief