vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX SSN ( Last 4 Digits ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX  XXXX, TX XXXX RE : Formal Dispute of Inaccurate Student Loan Reporting Request for Investigation and Loan Cancellation To Whom It May Concern, I am writing to dispute certain inaccurate and potentially unlawful information that appears on my credit report related to student loan accounts reported by the U.S. Department of Education. 

The reporting of these accounts contains several discrepancies, including but not limited to : Inaccurate balances Incorrect dates of delinquency or default Unverified reporting of deferment or forbearance periods Duplicate loan entries Reporting of accounts that were discharged, closed, or forgiven Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), XXXX is required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 U.S.C. 1681i, upon notification of a dispute, the credit bureau must conduct a reasonable reinvestigation of the disputed information within 30 days.

Furthermore, I believe there has been a violation of the Family Educational Rights and Privacy Act ( FERPA ), codified at 20 U.S.C. 1232g, which protects the privacy of student education records. The sharing or reporting of information from my student loan file without proper consent may constitute a breach of this federal statute, especially if private educational data was disclosed to a credit bureau or third party without a signed release. 

I am formally requesting the following : 1. Immediate investigation and removal or correction of any inaccurate, outdated, or unverifiable student loan information from my XXXX credit file. 
2. Full documentation verifying the accuracy of each disputed student loan account, including : Original promissory notes Payment histories Forbearance/deferment approvals Authorization of information sharing 3. Immediate removal of any items that can not be verified within 30 days, as required by law. 
4. Full cancellation of my student loan debt due to inaccuracies, reporting violations, and potential privacy breaches under FERPA. 

If XXXXXXXX  is unable to substantiate the accuracy of this information, it must be removed immediately. If the account ( s ) continue to be reported inaccurately after this dispute, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take legal action under the FCRA and FERPA. 

Please send written confirmation of the results of your investigation to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I cancelled my debit card around XXXX on XX/XX/XXXX. Then I returned my rental car that I rented on XX/XX/XXXX around XXXX. 

On XX/XX/XXXX, I see a XXXX transaction of {$770.00} from XXXX. 

The bank allowed a transaction with XXXX a cancelled lost debit card. I have disputes with XXXX due to the fact of overcharging my cards with many ( unexplained ) fees. 

Keybank allowed XXXX to charge a cancelled debit card which is crazy and unauthorized. XXXX claimed the transaction was pending before the card was cancelled and this is not true because XXXX generated the recipient after I returned the car at XXXX XX/XX/XXXX and, I cancelled the card at XXXX XX/XX/XXXX. My account now is negative- {$750.00} because of this. I would like to XXXX transaction to be cancelled and I get refunded. And if I owe XXXX any money Ill contact them and settle that with them after they send me the receipts and the explanation. 


My bank Keybank allowed a transaction on cancelled lost debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputing accounts reporting under addresses Ive never lived at. These accounts are not mine and appear due to incorrect file association or identity mix-up. Requesting immediate removal under FCRA 611.

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 2025-07-08 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance Corporation has consistently reported me late on all three credit bureaus for {$18000.00} every month as being late on my auto loan as of XX/XX/XXXX. The car was involuntary repossessed on XX/XX/XXXX and sold in auction on XX/XX/XXXX for XXXX. I purchased the car in XXXX and made payments as expected until the pandemic hit. How can they show the car was repossessed by the original finance corporation, Credit Acceptance Corporation and show that I have been late 64 months after the repossession. They have consistently violated my credit score artificially and consistently re-age the debt, after the repossession, when the original delinquency date is XX/XX/XXXX, and now it is XX/XX/XXXX as if I still have an open account with them. This seems illegal and has affected my ability to obtain a credit score to obtain a mortgage loan. They would not even give me an amount I have paid them over the years I had the car.

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 2025-07-08 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 2025-07-08 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: OH

Complaint narrative:
b'Account associated with identity theft Ive already tried disputing account'

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 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

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 2025-07-08 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: DE

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
Dear Compliance Department, This letter serves as a formal dispute and demand to cease reporting inaccurate, misleading, and incomplete information related to the above-referenced account to any consumer reporting agencies, including XXXX XXXX, and XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to ensure that the information they provide to credit bureaus is accurate and complete. Your own documentation dated XX/XX/year>, indicates that a deficiency balance of {$8600.00} is being reported after repossession, yet your communication fails to account for : - How the sale of the vehicle was conducted, including the date, sale amount, and whether the sale met commercially reasonable standards ; - Whether I was properly credited for the vehicles sale proceeds ; - A complete calculation of the deficiency balance, showing how you arrived at the amount you are reporting. 

These omissions raise serious concerns regarding the accuracy and completeness of the account being reported. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Failure to provide the full accounting of the sale and deficiency calculation renders your reporting potentially misleading and unverifiable. 

Therefore, I am requesting the following : 1. Cease and desist from further reporting this account until such time as it can be fully validated with supporting documentation that complies with state repossession laws and the FCRA ; 2. If you are unable to correct the incomplete and misleading information, you must request that the credit bureaus delete or suppress the tradeline as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 3. Confirm in writing that your organization will no longer report or will remove this account from all credit bureaus pending resolution. 

If you continue to report this account inaccurately, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue any remedies available under federal law, including actual and statutory damages. 

Please respond in writing within 15 days of receipt of this letter. All future communication regarding this matter must be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/year> - {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened up a new business account with capital one early XXXX as my business had pending payments with a Vendor XXXX whom we sell XXXX XXXX for. I Had an ACH transferring my paymwnt from their business into my business account at capital one. As it was a new account and the payment was about {$34000.00} i did suspect a hold on the account but i did not expect it to take more than 21 business days. Every day since XXXX of XXXX ( thats when i originally received the payment ) i call in capital one and have provided each and every single document they have asked for and have included every single proof from the vendors side that they were the ones sending the payment. Capital one still refuses to provide me with any answers let alone releasing the hold on my account. My business is going down the drain because i can not reinvest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has

been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX , block in
formation appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$26000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2700.00}

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 2025-07-08 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: DE

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 non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00}

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 2025-07-08 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: MI

Complaint narrative:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX  on my credit report when they know it is fraud. The company never had my consent to open this credit line and has stated it was fraud but neither company removed the account. I am more demanding the immediate removal of the XXXX  account. I will still be suing each credit bureau for damages you have caused me over these last few months thats I have been dealing with identity theft. It has caused me great emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Issue : I was charged XXXX overdraft fees in a short time period by Chase Bank. Each fee was {$34.00}, totaling {$270.00}. These overdrafts were all small transactions under $ XXXX as reacting subscriptions or automated chargesthat were processed even though my account lacked funds. 

Attempted Resolution : I contacted Chase immediately. They refunded one fee but said they had reached my annual limit of XXXX refunds. I escalated to a supervisor, but the request was again denied. I was told no exceptions could be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX  Date : 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 explanation