vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
On XX/XX/year>, I requested the Master Promissory Notes ( MPNs ) for my student loans from Nelnet to verify the legitimacy of the loans reported on my credit file. I followed up with a second request on XX/XX/year>, but Nelnet has failed to provide any response or the requested documentation. 

I have made multiple attempts to resolve this by requesting verification through the proper channels, but I have not received any documentation from Nelnet proving the validity of these loans. 

As of today, Nelnet has not provided any Master Promissory Notes ( MPNs ), which are necessary for verifying the legitimacy of the reported student loans. I am disputing the accuracy of these loans, and they remain unverified in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-11-19 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
Someone hacked into my account. Changed my email address and password and stole {$1100.00} dollars from me. I don't give my account information to anyone. Chime didn't help me at all. Basically told me there was no error even though I gave them proof it was a fake email that hackers use and that my account was taken over. They denied my claim. 

XX/XX/year> was the date it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is regarding an account I originally had with XXXX XXXX XXXX XXXX that was later sold. My credit report shows the original XXXX XXXX account was closed on XX/XX/XXXX with a {$0.00} reported balance. However, XXXX XXXX confirmed to me that the account had been sold to a third-party, but they did not provide the date of sale, the name of the debt buyer, or documentation showing the balance at the time it was sold. 
Recently, a new collection account appeared on my credit report from XXXX XXXX XXXX. It shows : Opened : XX/XX/XXXX Reported balance : {$15000.00} Status : Placed for collection Original creditor ( as listed ) : XXXX XXXX  Last reported : XX/XX/XXXX I was never notified that XXXX XXXX XXXX purchased or now owns this debt. I have not received a validation notice, which the debt collector is required to send within 5 days of first contact. Because of this, I can not verify whether XXXX XXXX is the legitimate owner of this debt or how the reported balance increased to {$15000.00}, especially since the XXXX XXXX account was reported as {$0.00} when closed. 
I am filing this complaint because I need : The date XXXX XXXX sold or transferred the account The name of the actual debt buyer XXXX XXXX sold it to The balance at the time of sale Documentation from XXXX XXXX proving ownership and explaining the amount they are reporting A proper debt validation notice from XXXX XXXX I have attempted to resolve this directly, but the information from both XXXX XXXX and the collection agency has been incomplete, unclear, or missing required notices.

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 2025-11-19 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and credit score.

I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed but that promise has been blatantly ignored, as they persist on my report. 
This inaction is completely unacceptable ; the ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. 
This unresolved matter continues to cause significant emotional and financial harm.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On XX/XX/XXXX, I received a text & email regarding an Identity theft attempt due to me changing my cell phone number in my chase mobile app. I was told that I needed to go to the Local branch and verify my Identity. I went to my home branch provided XXXX forms of Identification to prove that I did change my cell phone number through my mobile carrier and the financial facility lifted the restriction, and I was able to access my account the next business day .I was trying to send money through XXXX XXXX and it told me that my email & phone number can not be enrolled through XXXX XXXX I contacted Customer support and stated my issued they said since it was a new number that I had to wait XXXX business day to retrieve my XXXX. XX/XX/XXXX, I called the customer service line wanting to enroll and they stated that my number was restricted by XXXX ( XXXX XXXX XXXX ) due to Identity theft they transferred me over to the department and I spoke with XXXX supervisors the XXXX  woman contacted IT to trouble shoot my issue, we trouble XXXX  and they stated that my XXXX should work and to call the next business day if it did not I tried it again and it gave me the same error message. I called again on XX/XX/XXXX XXXX another supervisor stated that they are contacting XXXX and someone should contact me the next business day NO ONE CALLED ME. I called today XX/XX/XXXX I didn't get the supervisor 's name, but she basically stated that due to the restriction I am unable to use my XXXX till further notice I asked to escalate this issue because this was going on for XXXX  months and she said NO that she was the only supervisor and I can't do nothing about it I was highly upset and I told the representative that I will be filing a complaint with the company she stated that If I continue making calls regarding my XXXX and file a complaint that the bank would close my accounts & end my XXXX year relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
XXXX  Credit Report As of XX/XX/year> To Whom It May Concern, I am formally disputing the accuracy and continued reporting of the following account on my XXXX credit report : Furnisher : Diversified Adjustment Original Creditor : XXXXXXXX  Account Number : XXXX Balance Reported : {$1100.00} Date Opened : XX/XX/year> Status : Collection {$1100.00} past due This account is completely inaccurate and is the result of identity theft. It was opened fraudulently using my personal information without my knowledge or authorization. 
Specific Reasons for Dispute : XXXX. This is not my account. I did not open a XXXX  account on or around XX/XX/year>, and I never authorized anyone else to do so. 
XXXX. I already have an active, legitimate XXXX wireless account that I opened myself years ago and that I pay directly every month. There is absolutely no reason for me to open ( or for anyone to open in my name ) a XXXX, separate XXXX  account. The existence of this duplicate account is clear evidence of fraud. 
XXXX. This account was fraudulently established by an unknown XXXX  XXXX  who misused my personal identifying information. I have already reported this identity theft to the Federal Trade Commission at IdentityTheft.gov [ add FTC reference number if you have it ]. 
XXXX. I previously disputed this exact same account with XXXX and with the furnisher ( Diversified Adjustment / XXXX ) within the last XXXX  days. Despite my prior disputes and my clear explanation that this is fraud, the account continues to be reported without any disputed notation, in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) and 1681i.

5. Neither XXXX  nor Diversified Adjustment appears to have conducted a reasonable investigation, because the account remains on my report unchanged.

Relief Requested : Immediate permanent deletion of this fraudulent tradeline ( account XXXX XXXXXXXX ) from my XXXX XXXX XXXX XXXX credit reports. 
Cessation of all collection activity on this fraudulent debt by Diversified Adjustment and XXXX. 
Blocking of this information from future reporting under FCRA 605B ( identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: SC

Complaint narrative:
I filed XXXX disputes with Cash App on XX/XX/year> regarding a transaction I never received the goods for. XXXX transaction for {$200.00} and another for {$38.00}. I initially tried to take things up with the merchant but they have never once responded to any of my calls or emails. Cash Apps own policy states disputes must be resolved within XXXX  days. It is now past day XXXX, and I have received no final decision, no refund, and no provisional credit. 

I have been repeatedly told conflicting information by Cash App support agents through chat and phone. Chat agents state no supervisor is available and that a XXXX will email me, but no one ever does. Phone support places me on hold and then states they can not escalate. I have been given contradictory instructions and no actual help. 

Cash App refuses to connect me to the department that handles dispute escalations, and they keep telling me to wait for a XXXX email, which never arrives. I have screenshots proving : They acknowledged the XXXX window The merchant never responded They still refuse to issue the required provisional credit They refuse to escalate me to a supervisor At this point, Cash App is violating Regulation XXXX dispute timelines and their own stated policies. I am requesting assistance in getting : XXXX. A final decision on my dispute XXXX. The required provisional credit or refund XXXX. Clear communication from the actual dispute department. 

Cash App has left me without answers and without my money well beyond the legal time limit. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated XXXX  XXXX  any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 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: PA

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These accounts are incorrect, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX, XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$700.00} Late Payments 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 2025-11-19 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: SC

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE XXXX ACTS XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO XXXX  XXXX  AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint because XXXX  permanently deactivated my account without providing any meaningful explanation and is now holding my funds for up to XXXX  days without legal justification. 

On XX/XX/XXXX, I used XXXX  to complete several transactions related to a service called XXXX, which allows users to cash out payment methods in a legitimate, approved manner. All transactions were fully authorized, approved, and not fraudulent. I have documentation showing : My identity was verified and my ID was submitted All payments were authorized by both parties No disputes, chargebacks, or fraud occurred No financial loss to XXXX  or any user Despite this, XXXX  sent me an email stating that my account was permanently deactivated for violations of the User Agreement, but they refuse to explain what specific rule I allegedly violated. They also stated my funds will be held for up to XXXX  days for loss prevention purposes. They offered no details, no investigation findings, and no path to resolution. 

This is an unfair, nontransparent, and abusive business practice. XXXX  is withholding my money without cause even after I provided all documents they requested. 

Why this violates federal law : XXXX actions violate multiple consumer protection laws and regulations, including : XXXX. Regulation XXXX ( XXXX CFR XXXX ) requires clear explanations and fair handling of electronic fund transfers. 


XXXX. CFPB XXXX standards unfair, deceptive, and abusive acts or practices. 


XXXX. XXXX XXXX Transfer Act ( XXXX ) prohibits holding consumer funds without due process. 


XXXX. Failure to provide an investigation result or specific reasoning, which is required when restricting an account for risk or fraud review. 



XXXX  refuses to disclose what rule I violated, refuses to provide any appeal process, and is now holding my legally owned funds without showing any evidence that a risk exists. 

Impact on me : XXXX  is holding my money without reason, causing financial hardship. Their email states they do not divulge criteria, which leaves me with no information, no explanation, and no ability to fix or address the situation. 

I am not attempting to make a new account. I am simply requesting access to my own funds, which XXXX  has no valid legal basis to retain for XXXX  days.

Company response to consumer: Closed with explanation