vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against DEPTEDNELNET regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$79.00} Date XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$72000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$32.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$100.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX  Balance : {$210.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$400.00} Date Opened : XX/XX/XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX Balance : {$9200.00} Date Opened : XX/XX/XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with DEPTEDNELNET but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
b'I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed.\nXXXX 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

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 2025-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I asked for a bank statements with the card ending in XXXX and they send me bank statements in my bank statement. You can see I was charged multiple times duplicates while theyre taking this as fraudulent and they sent me a letter saying that they did everything correctly that it looked like I did it or someone I knew did it well last four digits of the card number doesnt even go with the merchant. Im disputing that are duplicates. Im getting really frustrated with all of this. And everything. I need my money back from Bank of America.

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 2025-05-20 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: NJ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$560.00}

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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes

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 2025-05-20 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from 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 2025-05-20 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: CA

Complaint narrative:
Equifax, Experian, and TransUnion are reporting incorrect fraudulent information on my credit report and is in direct violation with FCRA The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice. There are several hard inquiries reporting on my credit report that I did not authorize or apply for. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I submit a investigation and nothing is being done, I tell them to send me information but I never received anything and ignored and this is illegal to not provide me with how its being verified when it is false information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 submit a investigation and nothing is being done, I tell them to send me information but I never received anything and ignored and this is illegal to not provide me with how its being verified when it is false information on my 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 2025-05-20 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: Chime Financial Inc
State: WI

Complaint narrative:
So i XXXX dollars taken out my credit builders account from CHIME 3 times plus XXXX dollars surcharge i guess chime charges and the XXXX  ITS OUT OF NETWORK XX/XX/year> back to back and i contacted chime about it filed disputes and they denied me before the standard time of them to investigate so just recently they returned XXXX dollars but keep denying the the XXXX that was took at the same time and i don't know what else steps to take. It says my Money was took from a out of network ATM WHICH CHARGED {$2.00} and chime charges {$2.00} as well which brung it to XXXX bucks which would be 3 times which in fact i had my credit card and just had used it at XXXX that day then all of a sudden at XXXX XXXX and XXXX money started being took in a whole XXXX XXXX which i was XXXX minutes away from i live in XXXX wi.... and XXXX said it was done in XXXX wi... which i explained to chime how could i make it there in XXXX minutes when where i was at, at those times and its a XXXX XXXX XXXX i provided all proof i could provide and still was denied for XXXX of the transactions but given XXXX back i feel like i investigated more than them. I told them i could have easily just took XXXX dollars out at XXXX time for free at an XXXX ATM. I have done XXXX rebuttal disputes after providing proof and they keep getting denied the next day after me sendin in proof i feel like they dont really investigate before denying claims .i dont know what more to do and all of this was from my CREDIT BUILDERS ACCOUNT WHICH I THOUGHT WAS TO BUILD CREDIT BUT INSTEAD I GOT HACKED. I even told them to look up a BP FOOD SHOP IN XXXX WI IT DOESNT EXIST AND THEY ZIP CODES THERE IS XXXX NOT XXXX like it stated in the description of where my money was stolen from on top of me havin my card and just using it I ONLY USE FREE ATM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent items from my credit report. I've noticed that while some fraudulent items have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent items. Please find below a list of the items I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$480000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment ) XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AL

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 non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
According to FCRA XXXX XXXX it is illegal to report information on my credit report without my permission. 

Creditor : XXXX AND XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$1100.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$470.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2500.00} Creditor : XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$740.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$310.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$1000.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2700.00} Creditor : XXXX XXXX XXXX  Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
According to FCRA XXXX XXXX it is illegal to report information on my credit report without my permission. 

Creditor : XXXX AND XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$1100.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$470.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2500.00} Creditor : XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$740.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$310.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$1000.00} Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2700.00} Creditor : XXXX XXXX XXXX  Opened : XX/XX/XXXX Account Status : Open Open Balance : {$2300.00}

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 2025-05-20 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: FL

Complaint narrative:
I'm writing to follow up on my previous letter regarding the removal of fraudulent items from my credit report. I've noticed that while some fraudulent items have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent items. Please find below a list of the items I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$480000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment ) XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment )

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 2025-05-20 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'm writing to follow up on my previous letter regarding the removal of fraudulent items from my credit report. I've noticed that while some fraudulent items have been removed, others still remain. I'm requesting that all three credit bureaus comply with the law and remove these remaining fraudulent items. Please find below a list of the items I would like to be removed. Thank you for your prompt attention to this matter. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$480000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment ) XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340000.00} with late payment of 30 days in XX/XX/XXXX and XX/XX/XXXX ( delete late payment )

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America/ XXXX XXXX has been misapplying my payments, they have threatened foreclosure on my property when it shouldn't be in foreclosure. I have been double paying on property taxes, meaning, I would pay Bank of America in an escrow account that I opted to NOT HAVE in the beginning of my contract but somehow the created one on my account, and I would also pay the property tax office, I have been double-paying. They have sent letters rejecting my payments and I would send them certified and they kept returning the checks, I still have the returned cashier checks. I was in bankruptcy from XXXX to XXXX and they were taking payments from me, outside of the trust company that I was to pay my bankruptcy payments to. All these problems began in the year of XXXX to present. They have destroyed my credit report on numerous occasions reporting derogatory information on my name. I have always made all of my payments on time every time. Currently, I am in litigation with the company because of these problems. Now they want to take the money there and pay off the loan and be done. They have cause so much problems for me.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX made a error when a customer made a XXXX in error according to XXXX the guys signature caused the computer to read it as a number thats why my account got withdrawn putting it into a overdraft by over XXXX $ from XXXX night I alerted them to it at XXXX XXXX by XXXX am they saw the error told me by XXXX everything will be fixed I informed them I need to access my XXXX  account to put money on my XXXX Card so I can get to work now XXXX morning XXXX still unable to put money on my card costing me a day of work because of their error and failure to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this m

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
As of XX/XX/XXXX I have not had access to my funds they are holding my hard earned money XXXX

Company response to consumer: Closed with explanation