vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
am filing this complaint regarding inaccurate and inconsistent reporting of my federal student loan account. 

According to my records and prior credit reporting, my student loan was reported as current through XX/XX/XXXX. However, in XX/XX/XXXX the account was suddenly reported as 90 days past due, without a valid or logical progression of delinquency. 

A student loan can not become 90 days delinquent without first being reported as 30 days and 60 days past due in prior billing cycles. There is no missed payment history or billing timeline that supports this delinquency status. 

This sudden jump from current to 90 days past due is inaccurate, misleading, and inconsistent with federal student loan servicing and credit reporting standards. I believe this constitutes incorrect reporting under the Fair Credit Reporting Act.

I am requesting that the loan servicer : 1. Conduct a full audit of my payment history 2. Correct or remove the inaccurate delinquency reporting 3. Update all credit bureaus to reflect accurate payment status I am not disputing the validity of the loan itself, only the incorrect delinquency status being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I am writing to formally dispute the collection account that your company is reporting on my consumer credit reports. This letter is sent pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681 and the Fair Debt Collection Practices Act 15 USC 1692.

Under the Fair Credit Reporting Act Section 611 I have the right to dispute inaccurate incomplete or unverifiable information appearing on my credit file. Under the Fair Debt Collection Practices Act Section 809 you are required to provide validation of the alleged debt including the original creditor for the amount owed and proof that you have the legal authority to collect this debt. 



At this time, I am requesting full validation of this account including but not limited to a copy of the original signed agreement complete payment history proof of assignment or ownership and verification that the information you are reporting is accurate and complete. Until such validation is provided, the account must be considered disputed. 

If you are unable to provide proper validation, you are required by law to cease collection activity and remove any reporting of this account from all consumer reporting agencies. Reporting unverified or inaccurate information constitutes a violation of federal law. 

Please investigate this matter and provide written confirmation of the results of your investigation within the time required by law. If the account can not be fully verified, I request that it be deleted from my credit reports immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
Eliminate my report and file as I am a victim of identity theft. I hv not authorized this. Remov all infor to repair my credit.

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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year> received a notice from credit bureau of a hard inquiry on my credit report. Called Capital One number the same day and reported as fraudulent. We did not apply for this. I was told they would be sending to their fraud dept. I then immediately had a freeze put on my credit with XXXX, XXXX XXXX and XXXX. I have not heard back from them until today XX/XX/year> when I called to complain again because I received in the mail today the exact credit card they said they would cancel as a fraudulent application. It is a Capital One XXXXXXXX XXXX XXXX with my name and XXXX XXXX XXXX under my name. When I spoke to them today I informed them I wanted the hard inquiry removed immediately from my credit report and was told its still being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Issue Type : Credit Reporting / Student Loans Companies Involved : XXXX, XXXX, XXXX, U.S. Department of Education, Nelnet What happened? ( Main Complaint ) I am filing this complaint due to systemic and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ) involving the inaccurate reporting of my federal student loans. 
All three nationwide consumer reporting agencies are reporting duplicate and fragmented tradelines for the same underlying Department of Education loans. These tradelines appear under different creditor names, with inconsistent balances, opening dates, and delinquency histories. This practice materially misrepresents the true status of my obligations and artificially inflates delinquency severity. 
Why is this inaccurate or unfair?

Duplicate Tradelines : The same federal student loans are reported multiple times instead of as a single consolidated obligation. This creates a false appearance of multiple delinquent accounts and violates the requirement that credit reports be accurate and not misleading. 
Illegal Re-Aging of Delinquencies : My reports reflect ongoing XXXX  day late payment statuses despite no documented repayment re-entry since approximately XXXX. No billing statements, repayment notices, or servicing transition documentation has been produced to justify continued delinquency escalation. This constitutes illegal re-aging. 
Failure to Conduct Reasonable Reinvestigation : I previously disputed these inaccuracies directly with the consumer reporting agencies. The disputed information was verified without correction, indicating reliance on automated furnisher responses rather than a reasonable reinvestigation as required by law. 
Failure to Account for Documented Hardship : The reporting does not reflect documented hardship circumstances, including incarceration and employment disruption, which directly affected repayment ability. These factors were disclosed yet ignored during reinvestigation. 
Harm I Have Suffered As a direct result of this inaccurate reporting : My credit scores are severely suppressed My ability to obtain housing has been materially harmed I face higher costs and denial risk for financial services My financial reputation has been unjustly damaged This harm is ongoing and compounded each month the inaccuracies remain. 
]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
XXXX XXXX XXXX XXXX reported my XX/XX/year> payment as late by 30 days they did this in XX/XX/year>. 
I talked to two different representatives who failed to understand the problem and one said I wasn't late and another said the credit bureaus have made the error. 
I made 3 payments in XXXX two on XXXX XX/XX/year> for {$230.00} and {$9500.00} then on XX/XX/XXXX of XXXX I paid {$480.00}. What baffles me is their lack of urgency to correct this mistake. But allow this to sevre as my letter of intent to suit if this isn't corrected now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
Would you go through this entry? It was written late and may be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: PR

Complaint narrative:
In accordnace with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-12-19 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: NJ

Complaint narrative:
To Whom It May Concern, I am a homebuyer currently preparing for mortgage approval. My lender informed me that several accounts, inquiries, or derogatory items on my credit file are preventing mortgage qualification due to inaccurate, incomplete, unverifiable, or outdated information.

Under the FCRA ( 15 USC 1681i ), I am requesting an immediate reinvestigation of the items listed below. These items must be verified with full documentation or deleted if they can not be fully substantiated. 
DISPUTED ITEMS ( Homebuyer Impact ) : 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 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 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 non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OSG Group Holdings, Inc.
State: CA

Complaint narrative:
I was subjected to wage garnishment related to an alleged debt. After the garnishment occurred, I sent multiple written disputes and formal demand letters requesting validation of the debt, an accounting of amounts collected, and confirmation of closure. 

One demand letter requesting a refund and closure was delivered on XX/XX/2025. A separate certified dispute letter was delayed in transit due to XXXX issues but was resent and remains in transit. Despite my written requests, the company has failed to provide proper validation, failed to confirm closure, and continues to pursue collection activity. 

I am requesting that the company cease all collection activity, provide written confirmation that the account is closed, and refund any amounts improperly collected.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In or about XX/XX/year>, Equifax Information Services LLC notified me that it was unable to locate my consumer credit file and requested additional identifying information. Despite Equifax already possessing sufficient information to identify my file, and despite my continued availability to provide verification, Equifax took no corrective action and provided no substantive response from XXXX through XX/XX/year>. 

As a result of Equifaxs inaction, my entire consumer credit file remains suppressed and is reported as missing or nonexistent. Equifaxs failure to act after requesting information constitutes an unreasonable delay and a failure to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ). This ongoing suppression continues to cause credit harm and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: AR

Complaint narrative:
Even though this account has been fully paid and the balance has been satisfied, it continues to display late payment remarks that are inaccurate.

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 2025-12-19 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: CA

Complaint narrative:
I am reporting unlawful credit reporting related to identity theft and accounts opened when I was legally a minor. My name is XXXX XXXX, DOB XX/XX/XXXX. The following account was fraudulently opened without my authorization : XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, when I was XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, without authorization I did not apply for, sign, authorize, or benefit from these accounts. As a minor, I was legally incapable of entering into any binding financial agreement. Reporting such accounts is inaccurate, misleading, and unlawful. 

I have filed an FTC Identity Theft Report ( Report No. XXXX ) and an XXXX Police Report ( Report No. XXXX ) confirming identity theft. These reports establish that the accounts are fraudulent and meet the definition of an identity theft report under the Fair Credit Reporting Act. 

Despite this, the accounts continue to be reported instead of being permanently blocked and deleted as required by 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 explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-19 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: AR

Complaint narrative:
I am sending to you with respect and professionalism to request a thorough review and correction of several accounts currently appearing on my credit file. After spending considerable time reviewing my report line by line, I noticed that certain accounts are being presented in a manner that does not fully or accurately reflect the way they were managed, resolved, or included within my overall financial obligations. 
The purpose of this letter is not to dispute ownership of these accounts, to request their correction. Rather, I am requesting that ensure the information reported is complete, balanced, and consistent with the actual handling of the accounts. The Fair Credit Reporting Act ( FCRA ) was enacted to protect consumers from incomplete or misleading credit reporting, and I am exercising my right under this law to request correction where reporting does not tell the full story. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} Under FCRA 611 ( 15 U.S.C. 1681i ), is required to conduct a reasonable investigation into disputed information. In addition, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a duty upon data furnishers to correct, update, and verify the accuracy of any information once a dispute has been initiated. Moreover, 15 U.S.C. 1666 and 1666a require that billing information be handled carefully during dispute review and accurately reflected once verified.

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 2025-12-19 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:
Accounts Needing Attention 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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting a formal compliant against JPMorgan Chase Bank regarding the restriction and forced closure of my checking account and the prolonged holding of fully cleared funds without explanation. 

on XX/XX/2025, I opened a Chase checking account and deposited a cashier 's check for USD XXXX. On the same day, the funds were successfully withdrawn from my account at XXXX XXXX XXXX, confirming that the check cleared. 

Despite this, Chase locked my account on XX/XX/2025 without prior notice. On XX/XX/2025, I was informed that Chase had decided to close my account permanently and would refuse to provide banking services to me in the future. Chase representatives explicitly refused to provide any reason for this decision stating they had no obligation to do so. 

Furthermore, Chase informed my that it could not even initiate the account closure process until XX/XX/2025 and would not return my funds for an additional 10 days thereafter. As a result, Chase is holding my cleared funds for several weeks without access, interest or legal justification. 

I believe Chase 's actions constitute unfair and unreasonable practices, including : - Holding fully cleared funds for an excessive period without explanation ; - Failing to provide clear or timely process for returning consumer funds ; - Refusing to disclose the basis for account closure while imposing permanent banking restrictions ; - Causing direct financial harm through the loss of interest.

Company response to consumer: Closed with explanation