vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Company Name : Nelnet ( Federal Student Loan Servicer ) Product : Federal student loan servicing Issue : Account status incorrect ( e.g., flagged as deceased ) My federal student loan servicer, Nelnet, repeatedly and falsely reported me as XXXX. This error has been ongoing since XXXX and is still affecting my life in XXXX. 

Because of this, I was : Rejected for a XXXX XXXX credit card due to deceased status. 

Denied my federal tax return through XXXX ( XXXX flagged me as deceased ). 

Marked as deceased on my XXXX credit report. 

Dropped from XXXX auto-pay. 

Unable to refinance my student loans. 

Prevented from qualifying for a mortgage because my credit score became unscorable. 

Nelnet was the first to report this false death status, which was later confirmed in writing by the Social Security Administration ( XXXX ) in a XXXX letter. XXXX stated they corrected it but it happened again. 

I submitted a formal document to Nelnet on XX/XX/XXXX, requesting a loan discharge due to this prolonged and recurring error. I attached the XXXX letter and evidence of the damage caused. Despite my efforts, this issue still hasnt been resolved, and I continue to experience serious consequences. 

I am requesting CFPB intervention and a full discharge of my federal loans due to the harm caused by this repeated false reporting and identity misclassification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This account was charged off for {$170.00} by raymour & flanigan I paid raymour & flanigan {$170.00} why did they take my money then charge off on the account this is fraud and they need to be investigated. They stole money from me. I want to know why did they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>2025 a creditor won a judgment, that was never served to me, and placed a levy on my account with Chase Bank. I quickly resolved the issue by paying the creditor. The creditor has furnished the release form signed by a XXXX XXXX XXXX Judge to Chase bank and they still will not comply with the order. I was informed that they need approval from their attorneys before releasing my funds. They have since received approval from their attorneys and they still will not release my funds. They will not provide any information to me or provide proper expectations of when the hold will be released. It is now been XXXX weeks, today is XX/XX/scrub> 2025, I will receive another paycheck into my account that I will not have any access to preventing me from paying my bills and provide for my children! I am now in a financial hardship. I have not had the ability to pay my bills, feed my family, get to and from work due to this issue. Im not able to pay my utilities and I am now at risk of losing power with XXXX small children in the household. I have submit several complaints and escalations to no avail. They have hung up the phone on me on several occasions and refuse to provide a resolution to this matter. Chase bank simply does not care for their clients, the customer service is non-existent and you cant seem to get assistance from anyone within the institution. I have visited XXXX branches to receive assistance. There doesnt seem to be any management ever in their location. I requested the information of their are or regional manager or requested that my information be provided to them so that I may attempt to resolve the issue. I was plain out told NO from several in branch employees. They refer me to contact customer care and file a complaint. I have submitted XXXX complaints and XXXX escalations and absolutely no one from an executive office has cared to reach out to me. Please do not trust this institution with your finances, they will XXXX you and ruin your life and they do not care at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>2024, I filed a dispute with Chase regarding a {$320.00} debit card transaction for an oil change and transmission flush on my XXXX. The service was performed incorrectly the transmission cap was not secured properly, resulting in additional issues that required me to return to the same shop for further service. 

I demanded a full refund from the shop. The assistant manager and manager both contacted me from their personal phone numbers. The manager left a voicemail stating I would receive a refund. No official business contact method was provided. 

I submitted a claim to Chase and was never contacted to provide supporting documentation. I received no phone calls, emails, or letters. The only communication I received was a message dated XX/XX/XXXX ( sent XX/XX/XXXX ), stating the claim was denied. On XX/XX/year>2024, Chase withdrew {$320.00} from my account. 

I contacted Chase multiple times following the closure of the claim. Each representative confirmed that there was no record of outreach to me prior to the denial. I requested an explanation, the denial letter, internal case notes, a record of any communication attempts, and the investigation procedure followed. None of that information was provided. 

As a direct result of Chase reversing the charge, I was financially impacted. My orthodontic payment was made XXXX days late. I missed an XXXX payment. A {$12.00} service fee was charged to my account. I had to rely on XXXX transfers to manage my balance and meet essential obligations. 

I have a history of therapy, and this situation caused significant emotional stress. 

I am seeking a full refund of {$320.00} and compensation for financial and emotional damages caused by Chases failure to contact me, failure to investigate the claim properly, and reversal of the funds without giving me a chance to provide evidence. Chases actions denied me fair process and violated my rights as a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Transactions were made using my debit card so I filed a claim but was denied due to them saying I authorized these payments. These transactions were made in a different state while I am currently residing in XXXX. Theyre claiming that I couldve used someone else to make those purchases by giving them access to my account but I dont know anyone in XXXX XXXX . There was another transaction made in XXXX  which was around XXXX dollars which I also filed a claim as I did not make that transaction, this claim was approved. 

Purchases, made were at a XXXX  ( {$100.00} ) and XXXX XXXX ( {$180.00} ) on XX/XX/year> in 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> PNC Bank decide to close my checking account ending XXXX I had in my account amount of {$3200.00} right after that PNC bank send letter to verified my address which is the same address in my identity, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  NJ XXXX so they can send the remaining balance, I called customer service several times And sent emails looking for my refund. It has been long time. PNC bank explain that delay because they send the refund to the state of New Jersey Department of the treasury. state of New Jersey Department of the treasury Claimed there is no found. PNC Bank keep Lying to me, what is Falls information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I reopened an account with Bank of America on XX/XX/year> with the intent to open an account that is close to my home. Upon meeting with XXXX XXXX and XXXX, I asked if I opened this new account, am I responsible from what I owned to the previous account. Both BOA employees told me no. I accepted what both parties said with no worries. 

On XX/XX/year>, BOA illegally withdrew {$45.00} for the previous account. When I asked the employees XXXX XXXX and XXXX, they had no idea and said that it was something out of their control. BOA already has a long history as an insurance brand that benefited from XXXX. Now, they think that its okay to steal from my account without authorization.

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 2025-07-24 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: WA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX  XXXX ] [ XX/XX/year> ] [ XXXX  ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ]

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. There are numerous errors on my credit report that I can no longer overlook. These inaccuracies are negatively affecting both my life and my credit score, preventing me from achieving financial stability and freedom.

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 2025-07-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am exercising my right to dispute the following accounts and request the removal or correction of any items that can not be verified with complete accuracy and legally permissible documentation.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] [ XXXX XXXXXXXX XXXX  XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
XXXXDear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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 has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, 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