vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
I am filing a formal complaint against [ Ed Financial ], XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX has continued to re-age the account to push the date of 1st delinquency forward every month. I have provided evidence via past credit reports that show the date of 1st delinquency as being XXXXXXXX XXXX XXXX. Beginning in late XXXX XXXX XXXX began changing the dates to be XXXX, then XXXX, then XXXX and most recently to XX/XX/XXXX. I have provided evidence that the information the reported from XXXX to XXXX remained the same until the reaging began. This issue relates to XXXX. Both XXXX  and XXXX  have both removed this account. 

This also apply to the bank of America account. Both XXXX  and XXXX  have both removed these accounts. My last payment to bank of America was XX/XX/XXXX, a year later I made a payment that did not bring the account current and they are now reporting that the date of 1st delinquency is XX/XX/XXXX rather than the true date of 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Several fraudulent collection accounts were reported on my credit file that I did not authorize, open, or have any knowledge of. These accounts were placed with different debt collectors and are damaging my credit standing. 
Accounts in question ( fraudulent ) : XXXX XXXX XXXX ( XXXX ) {$120.00} Reported around XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) {$4600.00} Reported around XXXX  XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) {$7500.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) {$990.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) {$4900.00} Reported around XXXX  Actions Taken I submitted an FTC Identity Theft Report documenting the fraud. 
I provided proof of identity and address ( drivers license, utility statement ). 
I contacted the credit reporting agencies ( Experian, Equifax, TransUnion ) in writing to dispute these accounts and demand removal. 
Despite this, the fraudulent accounts continue to appear on my reports, causing ongoing harm to my credit. 
FCRA 602 ( A ) ( 1 ) : Credit Reporting Agencies ( CRAs ) must ensure maximum possible accuracy. Reporting fraudulent collections fails this requirement.
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires CRAs to block identity theft information from reports when an FTC Identity Theft Report is provided.

FCRA 611 : Grants me the right to dispute inaccurate information and requires a timely reinvestigation.

FDCPA 807 : Prohibits debt collectors from reporting false credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft. Several fraudulent collection accounts were reported on my credit file that I did not authorize, open, or have any knowledge of. These accounts were placed with different debt collectors and are damaging my credit standing. 
Accounts in question ( fraudulent ) : XXXX XXXX XXXX ( XXXX ) {$120.00} Reported around XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) {$4600.00} Reported around XXXX  XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) {$7500.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) {$990.00} Reported around XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) {$4900.00} Reported around XXXX  Actions Taken I submitted an FTC Identity Theft Report documenting the fraud. 
I provided proof of identity and address ( drivers license, utility statement ). 
I contacted the credit reporting agencies ( Experian, Equifax, TransUnion ) in writing to dispute these accounts and demand removal. 
Despite this, the fraudulent accounts continue to appear on my reports, causing ongoing harm to my credit. 
FCRA 602 ( A ) ( 1 ) : Credit Reporting Agencies ( CRAs ) must ensure maximum possible accuracy. Reporting fraudulent collections fails this requirement.
FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires CRAs to block identity theft information from reports when an FTC Identity Theft Report is provided.

FCRA 611 : Grants me the right to dispute inaccurate information and requires a timely reinvestigation.

FDCPA 807 : Prohibits debt collectors from reporting false credit information.

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 2025-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
M & T has missed calculated my mortgage payment in my escrow. along with my monthly payment which should be XXXX, they are asking me for XXXX. I paid XXXX in my escrow, and they are asking for XXXX a month for 12 months. 

55 % of my ins was paid in XX/XX/year> and M & T paid XXXX in XXXX stating my states XXXX when I see as of today my taxes for XXXX  XXXX see attached. 

I do not see proof of a payment made for XXXX like they put ion the statement, I only see XXXX  taxes for XXXX. 

my new monthly payment should be XXXX, with a projection by M & T

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 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: SC

Complaint narrative:
I have received 2 debt collection notices in the mail by Nationwide Credit and Collection INC ( NCC ) for an outstanding debt amount of {$170.00} with XXXX XXXX, creditor account XXXX. XXXX file # : XXXX. 
At the time this debt occurred, I applied for Financial Assistance with XXXX XXXX on this debt amount and it was approved on XX/XX/year>, meaning it is settled. 
So, I ask that you advise NCC to cease all further communication on this debt that has been settled with XXXX XXXX for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion has an unauthorized inquiry from XXXX XXXX Bank XXXX XXXX : XXXX Experian has unauthorized inquiries as follows : XXXX XXXX XXXXXXXX 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) due to continued reporting of an inaccurate or unverifiable bankruptcy record by XXXX TransUnion, and XXXX XXXX. 

I previously disputed the record and requested verification under FCRA

1681i and source disclosure under 1681g. I received either no response or an inadequate one the company cited public records ( e.g. XXXX ) but failed to provide a docket number, court name, or verified documentation that proves the record belongs to me. The company continues to report this record without satisfying their legal obligation to verify accuracy under FCRA 1681e ( b ). This is harming my consumer report
and is in violation of my rights.

I request immediate deletion of the disputed item unless full verification is produced, as required by law. Please investigate and ensure compliance with all applicable FCRA provisions.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently noticed XXXX being charged double interest rates. I am being charged the normal rate plus an extra cash advance rate each month I have never taken a cash advance on this credit card.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i was notified by several agencies of data beaches.I started by checking my credit bureau when i called experian after checking my report about the wrong information they had no answers.I asked how could you say you verified these accounts when you have the wrong name wrong social security number on file six addresses. I have experienced great hardship and XXXX  from this. they did not update this information until i called XX/XX/XXXX report number is XXXX all these accounts should be removed immediately accounts in question is 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 please be advise laws have been severely.

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 2025-08-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: IL

Complaint narrative:
I was just releasing prison XX/XX/year> after serving XXXX XXXX in prison. I never had a cash app account. Someone has compromised my identity through the data breach thats been going on. I want to open the Cash app card. Can you please submit everything needed to have me open the Cash app account? I really want to Cash app account. I never had any of this back in the time when I was around XXXX XXXX XXXX, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: NY

Complaint narrative:
Hi there Im trying to get key bank and XXXX XXXX on XXXX and XXXX have a bank there it allow me to get key hassle free check ing account there can you see why XXXX cant apply for a account there is it because XXXX XXXX and have XXXX there and XXXX XXXX XXXX there they are refusing me to have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/2025, Chase failed to issue me a required monthly credit card statement for my Sapphire Preferred account ending in XXXX. Despite receiving email notifications that a statement was available, no actual statement was accessible. 

As a result, I had no visibility into my billing, accrued plan fees, or interest charges for that month. I did not skip payments irresponsibly I made a substantial payment of {$6100.00} on XX/XX/2025, which Chase confirmed was received and credited. However, this payment was not properly applied against a XXXX statement, and Chase instead carried balances and fees forward. 

Chase representatives later claimed the XX/XX/2025 statement was not generated due to a due date change, yet I never requested such a change. Their own email communications show conflicting explanations. To this day, no XX/XX/2025 statement has been provided despite multiple secure messages and documentation requests. 

This lack of documentation has led to undisclosed interest charges and plan fees that I can not verify or dispute. I consider this a violation of my right to accurate billing and transparent disclosures under federal law.Chase claims my XX/XX/2025 billing statement was not generated because of a change to my billing cycle. I never authorized such a change, nor did I receive any correspondence, notice, or confirmation of this action. My account documents, branch notices, and statement archives confirm no such notice exists. 

Additionally, Chases system sent me an email on XX/XX/2025, confirming a XXXX statement, but no email or notification was ever provided for XXXX. Despite this, I made a payment of {$6100.00} on XX/XX/2025, but Chase can not produce a XXXX statement showing this payment applied. 

This creates missing documentation, unexplained interest/fees, and contradicting explanations from Chase. I request CFPB require Chase to produce the missing XXXX statement, provide proof of when and how my billing cycle was allegedly changed, and remove all interest/fees assessed during this period since they were charged without proper disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this follow-up because it has been several weeks since my original complaint, and the credit reporting agencies Experian, TransUnion, and Equifax have failed to provide any resolution. Instead, I continue to receive stalling messages that investigations are pending. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), which requires completion of investigations within 30 days.

I have already submitted multiple prior complaints through the CFPB regarding the same accounts, yet the derogatory information remains on my credit report. The bureaus have failed to provide me with any
documentary proof that these accounts including those from XXXX XXXX XXXX  ( XXXX  ), XXXX XXXX, XXXX, and other charge-offs or closed accounts belong to me or were ever lawfully validated. No contracts, no account-level documentation, no original signed applications, nothing has been provided.

I am also deeply concerned that my personal data may have been compromised in the XXXX XXXX XXXX  data breach, which undermines the integrity of what is being reported and raises doubts about the accuracy of these accounts.

The continued presence of unverified and inaccurate information is actively harming my ability to obtain rental housing, transportation, and employment. I have given the bureaus ample opportunity to investigate and respond lawfully. Instead, I am being ignored, stalled, and deprived of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KS

Complaint narrative:
Transunion has an unauthorized inquiry from XXXX XXXX Bank XXXX XXXX : XXXX Experian has unauthorized inquiries as follows : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-23 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/year>, I paid {$330.00} using my Citi Mastercard to XXXX XXXX for a phone screen replacement. The service was supposed to fully replace a cracked screen. However, the work was defective : The new screen was glued on crooked. 

There is dried glue residue visible on the phone. 

After the repair, a new problem appeared : something is loose inside the device and rattles when moved, indicating parts were not properly reassembled during their service. 

I disputed the charge on XX/XX/year> under the XXXX Credit Billing Act, citing service not as agreed. Citi issued a provisional credit, investigated, and later reversed the credit on XX/XX/year>, ruling in favor of the merchant. Citis denial letter states : The services were provided as intended. This is factually incorrect based on the evidence. The device came back in worse condition than before the repair due to their improper work. 

I requested supporting documentation and received XXXX denial letter ( attached ). Their decision disregards clear evidence of defective workmanship, including photos, video, and the original invoice stating the work was a full screen replacement. 

Requested Resolution : I want Citi to permanently credit my account for the disputed amount and remove any related interest or fees, as required under 15 U.S.C. 1666 and Regulation Z for services not delivered as agreed.

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 2025-08-23 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: Self Financial Inc.
State: TX

Complaint narrative:
There is a lot of inquiries on my credit report that I have no knowledge of I have used certain help from credit reporting agencies to fix certain things and to get my XXXX XXXX up and instead they put loan amounts that I never got never used never paid never didnt pay, which is kickoff they got investigated and did not make any changes on my dispute. 
The account number is with letters. It doesnt even look like a real account. They opened XX/XX/XXXX. As for self XXXX capital account that was not me. I have never received any type of loan through them. They were a credit repair that you put your own money into while they hold it and thats supposed to blow your credit but instead it said that I got a large loan and didnt pay it back so its a negative on my report and that didnt happen. I never got no way of verification as well. Also, my money was kept that shouldve been returned to me that they were holding for my credit. Also another self lead bank. Which is a secure loan on XXXX XXXX, which is not me. Ive never seen it and never heard of it never received any type of anything or any loan. I have hard inquiries from XXXX XXXX Bank that I didnt theres clarity credit ninja, soft inquiries that Ive never did. Theres a lot from credit karma. I dont have that monitoring I havent had that for a while all XXXX. I was in prison and all XXXX. I was in prison so I didnt they shouldnt have been any type of movement in anyway on my report. XXXX XXXX guide to lend was not me as well. And last and hopefully least theres about XXXX or XXXX addresses that I have never lived at. And I have never not XXXX time worked in a construction setting so the employment for XXXX construction, Ive have never heard of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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