vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the XXXX XXXX platform : I purchased an item, from XXXX XXXX XXXX XXXX , which in the title and description was listed as a XXXX XXXX XXXXXXXX print ( XXXX period ) with the print date stated as unknown. The listing strongly implied that the print itself was from the XXXX period ( XXXX ), complete with freshly forged publisher stamps ( see photos ). However, what I received is a XXXX XXXXXXXXXXXX XXXX reproduction. Nowhere in the listing did the merchant disclose that the item was a reproduction or modern facsimile. If the item had been accurately described, the words " reprint '', photo reproduction or modern would have appeared clearly. 

I disputed this charge with my credit card issuer, Chase, under my rights in the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 CFR 1026.13 ), because the merchandise was not as described. Chase denied my dispute but : Did not provide me with a clear written explanation of the evidence relied upon. 

Did not properly inform me of my rights to respond or appeal in time. 

Treated the case more like a XXXX chargeback process rather than complying with the FCBA requirements for a billing error investigation. 


This failure deprived me of my statutory rights. I am now being held responsible for an item that was misrepresented in its description.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AZ

Complaint narrative:
experian and equifax are reporting fraudulent information on my credit report. I have submitted to them a FTC and Affadavit already. These fraudulent account and personal information are affecting my credit and my personal life negatively. under 605b these accounts should be blocked and removed immediately.

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 2025-09-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: GA

Complaint narrative:
I enrolled in a debt relief program with Turnbull Law Group in XX/XX/year>. The company represented that they would negotiate with my creditors on my behalf and consolidate payments to reduce my debts. I agreed to pay {$960.00} per month, expecting that the majority of my payments would go toward settling my outstanding debts. 

Since enrolling, I have paid a total of {$7700.00}. Turnbull Law Group has only applied {$270.00} to one of my debts and {$140.00} per month to another debt. They claimed that a {$6400.00} debt had been reduced to {$2500.00} and that they were paying this off at {$140.00} per month. This means that the overwhelming majority of my monthly payments approximately {$820.00} each month has not been applied to my debts. I have received no documentation showing how these funds have been used, nor have I seen the promised settlements. 

Turnbull Law Group also made statements that I believe were deceptive. They claimed that they were representing me to all of my creditors and negotiating settlements on my behalf. When I informed them that I could not make a payment for this month due to financial hardship, they threatened that I would miss out on settlements and said that two of my creditors were hiring attorneys to pursue collection. These statements were false and misleading, and they caused me significant stress and fear that my wages could be garnished. 

I have attempted to resolve this issue by contacting Turnbull Law Group multiple times, asking for an explanation of how my payments were applied and requesting documentation of settlements. The responses have been inconsistent, evasive, and unhelpful. They have not provided any meaningful proof that my payments have been applied to debts as promised. 

A satisfactory resolution would include a full accounting of all payments made, a refund of funds not applied to creditors, and confirmation that my debts have not been misrepresented or negatively impacted by their false claims. I also request that the Georgia Consumer Protection Division investigate these practices to prevent similar deceptive behavior toward other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: DE

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I sent a letter to TransUnion notifying them of the reinsertion of XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-09-21 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:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-09-21 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: AZ

Complaint narrative:
experian and equifax are reporting fraudulent information on my credit report. I have submitted to them a FTC and Affadavit already. These fraudulent account and personal information are affecting my credit and my personal life negatively. under 605b these accounts should be blocked and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: AZ

Complaint narrative:
transunion is reporting fraudulent information and fraudulent accounts that do not belong to me on to my credit report. I do not recognize any of these accounts and any personal information they are reporting to my credit report. They are negatively affecting my credit and financial situtation.

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 2025-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally request the full discharge of my student loans due to deceptive practices, misrepresentation, and unethical loan management by Nelnet while they were servicing my loans. 
Nelnet repeatedly misled me regarding repayment options. Instead of being provided accurate information about income-driven repayment ( IDR ) plansplans that would have made my payments affordable and placed me on the path to loan forgivenessI was steered into forbearance and deferment. As a result, my original balance of approximately {$90000.00} has ballooned to {$120000.00} due to repeated capitalization of interest. This has caused me years of unnecessary financial hardship. 
Additionally, Nelnet and other servicers have mishandled the transfer of my loans ( from Nelnet to XXXX, and now to XXXX ). This has resulted in payment misreporting to credit bureaus, damaging my credit score by more than XXXX points. I worked hard to maintain good credit, and the misreporting has not only harmed my financial reputation but also hindered my access to credit opportunities. 
Furthermore, Nelnets misguidance has delayed my progress toward repayment and loan forgiveness. My loan could have been completed by next year, but due to the transfers and their mishandling, additional years have been added to my repayment timeline. This has forced me to postpone my planned retirement, creating additional emotional and financial stress. 
Nelnets behavior is consistent with widespread misconduct for which the company has already faced lawsuits from states and the Consumer Financial Protection Bureau ( CFPB ). Their actions have caused me : Significant financial harm through inflated loan balances. 
Credit damage due to misreporting. 
Emotional distress and disruption of retirement planning. 
Nelnet has failed in its duty as a federal loan servicer to provide accurate, fair, and transparent guidance. I respectfully ask that the Department of Education, CFPB, or other appropriate authorities grant me full discharge of my loans and corrective measures to address the damage done. 
Thank you for your attention to this matter. I trust that you will consider the lasting harm caused by Nelnet and take action to provide me with the relief I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have recently reviewed a copy of my credit report and found a collections reporting from Credit Collection Servic in the amount of {$590.00} and i do not recogonize or believe that this is my debt as i was not aware of this alleged debt If you believe that you informed to of this alleged debt pursuant to 15 USC 1692G ( 809 ) A then please provide me with the certified mail receipt showing my signature as proof that i received notice of the debt and was given the opportunity to dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX AND XXXX XXXX XXXX : I've done everything advised prior to the litigation that started last year. Now, because I was put into the SAVE program, there's nothing I can do other than wait for correspondence from the outcome of the litigation and interest has started accruing on my loans again. I'm also in the PSLF program but was advised that any payments that I where to make over the past year may not be considered being that it's in litigation. Now my credit score is being affected negatively. It takes hours to get somebody on the phone every time I call. There is no help/CORRESPONDENCE provided as far as what to do at this point other than I don't have a payment due. When I tried to utilize the federal student aid website and look at the options for alternate repayment programs all of them are triple the amount OR more of what I was paying and I can't afford to pay that monthly with my other expenses.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding USAA FSBs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, thecreditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
USAA FSB XXXXXXXX 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 2025-09-21 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:
on XX/XX/year> I disputed with Experian to have inaccurate misleading personal information off my credit report to which til this day has not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I moved in XX/XX/XXXX and cancelled my internet bill on XX/XX/XXXX. I believe the deadline to cancel without paying for another month of service was around XX/XX/XXXX or XX/XX/XXXX, but I don't remember for sure. 

XXXX sent me a bill for XXXX service anyway, and I chatted with XXXX customer service on XX/XX/XXXX, in which XXXX confirmed that the charge was erroneous and that it would fall off my account within 45 days of service being disconnected. 

The bill was never adjusted by XXXX, and XXXX has since harassed me by sending numerous debt collectors after me. Each time, I have disputed the debt and showed them a copy of the customer service chat, and none have responded to these disputes, presumably because they can not provide proof that I really owe the debt. These debt collectors include : XXXX in XX/XX/XXXX Valor in XX/XX/XXXX TrueAccord in XX/XX/XXXX I do not blame the debt collectors themselves for this ; I believe XXXX is acting in bad faith by repeatedly sending different debt collectors after me, in an attempt to get me to just pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up with Experian a while ago, but now Im attempting to delete my data from their website and delete ( or close ) my account permanently. But they never do. They ask for more and more personal information about me, but it conveniently always says that they cant verify my account and boot my out. My SSN, my address, my email address, but they never made the process easy. I looked it up online, and many other people have the exact same problem, and thats when Experian doesnt just lie about deleting their account ( which unbeknownst to me, they are apparently infamous for. )

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: KY

Complaint narrative:
XX/XX/year> approximately XXXX XXXX XXXX et I had a balance of {$1.00} in my account and recieved a deposit for {$57.00}. Did not make any transactions. Went to XXXX to deposit {$95.00} when I noticed that my balance only showed a balance of {$41.00} which is {$17.00} less than it should have been. So I contacted money lion via live chat and over a phone call with money lion customer service. Never did I recieve an explanation of where the {$17.00} went. I requested to speak with a supervisor and was told a supervisor will be calling me back. A few hours gos by and I never recieved a call back from a supervisor. I call moneylion customer service explaining my situation again this time the female agent asked if I would allow her some time to review everything and then she would call me back so I agreed. She finally emailed me a couple hours later with her explanation of missing money which was not at all accurate. So I get back on the app to look over my transactions again when I noticed they have altered my transaction records by removing certain transactions trying to make the records cover the missing money. Well I had taken screen shots of my transactions before they tryd to tamper with my records and I took screen shots of the altered records. I emailed them and told them I can see what they have done and told them I will be contacting an attorney and taking them to court. Well a few hours later they put my records back to their original state. Again I call for a supervisor and again I am told I will be getting a call back. It is now XX/XX/year> and after many attempts to speak with a supervisor I have not spoken with any supervisors and my money is still missing

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Radius Global Solutions Unverified Debt Reporting to XXXX  Dear CFPB Representative, I am submitting this complaint regarding Radius Global Solutions, which is reporting a {$2200.00} collection account on my XXXX  credit report without proper validation. 
Despite previously disputing this account, the collection has reappeared on my report. Under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I requested full validation and cessation of reporting until such validation is provided. 
Attached you will find : - A copy of my formal Debt Validation and Cease Reporting letter sent to Radius Global Solutions ; - A copy of the XXXX credit report entry showing the disputed collection account. 
I am requesting that the CFPB investigate this matter and compel Radius Global Solutions to either : - Provide full, legally compliant validation of the alleged debt, or - Delete the unverified collection account from all consumer reporting agencies. 
Thank you for your prompt attention to this complaint. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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