vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverifiable credit reporting in violation of the Fair Credit Reporting Act. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer file does not contain complete or accurate information. The following accounts are being reported with conflicting balances, statuses, payment histories, and dates across TransUnion, Experian, and Equifax : * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX ( Original Creditors : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  ) * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation, but the errors remain. Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, which has not been properly provided.

Because these accounts can not be verified and contain contradictory information, continued reporting violates the FCRA. I request FTC review and enforcement, including correction or deletion of all inaccurate information.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The value of my car dropped from then then to now they want me to pay money I don't have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( 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 according to 1692 ( a ) 1692 ( g )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX  Account XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/XXXX Account Name XXXX XXXX XXXX Account XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
I am a documented victim of identity theft and previously submitted a valid FTC Identity Theft Report regarding this account. The original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, had actual notice that this account was fraudulent and identity-theft-related, and the account was removed from my credit report. 

Despite this, Suttell & Hammer P.S. attempted to collect the account on XX/XX/2025. At the time of this collection attempt, the account was already disputed as identity theft and was the subject of an open CFPB complaint with XXXX, with written acknowledgment from XXXX Executive Office. 

Attempting to collect a debt that is the result of documented identity theft constitutes a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692g. Suttell & Hammer P.S. either knew or should have known that this account was not valid and not owed by me. 

I am not requesting validation or investigation. I am demanding immediate cessation of all collection activity and confirmation that this account has been closed and returned to the creditor as identity theft.

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 2025-12-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted them for over one year now to correct inadequate information that is on all three credit bureaus and nothing has been done. I have paid a couple of repair agencies to correct inquires as well as all the delinquent accounts and disputed ones that are NOT my account. I have been a victim of identity theft before.

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 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I am submitting this complaint regarding my student loan account with XXXX. My experience includes misapplied payments, wrongful fees, inability to enroll in income-driven repayment, unresponsiveness, harassment, misleading information. Despite my repeated attempts to resolve these issues directly with XXXX, including calls, emails, letters, my concerns have not been addressed. This has caused financial hardship, stress, negative credit reporting, etc. I am submitting this complaint to request CFPB review and action. Additionally, I wish to have this complaint considered for any current or future investigations or legal actions against Mohela regarding student loan servicing practices. I am willing to provide additional documentation or testimony if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a transaction with my NetSpend prepaid card to pay my apartment security deposit. The merchant voided the transaction shortly thereafter. 

Since XX/XX/XXXX, I have contacted NetSpend nearly every day to request release of the funds and to clarify documentation requirements.

NetSpends policy states that funds may be released upon submission of either ( 1 ) a merchant email confirming cancellation or void, or ( 2 ) a receipt showing the transaction was cancelled or voided. I submitted both forms of documentation.

Despite satisfying these policy requirements, my request was denied because NetSpend attempted to call the merchant outside of business hours and did not reach them. A phone call is not listed as a required condition under NetSpends policy.

Additionally, the merchant is not authorized to speak with third parties without legal clearance, which was communicated in writing. The merchant emailed NetSpend directly confirming the void during business hours.

I am requesting that NetSpend release my funds in accordance with their stated policy.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent checks withdrawal from my Chase Checking account in the amount of 11 transactions of XXXX, 4 transactions of XXXX and another of XXXX, totally roughly $ XXXX or {$5000.00} on XX/XX/year>. Chase refuses to process a stop payment or change account no on these fake checks due to pending status which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet is reporting federal student loan information on my credit report but refuses to provide required verification of ownership, guarantor authority, and chain of title as required under the Fair Credit Reporting Act. My Master Promissory Note identifies American Student Assistance ( XXXX ) as the guarantor NOT the XXXXXXXX XXXX XXXX XXXX yet Nelnet claims it is servicing the loan on behalf of XXXX without providing any evidence supporting that claim. Their written response to my dispute improperly dismissed my request as invalid without conducting a reasonable investigation or addressing the specific issues raised. 

I requested verification of : who currently owns the loan ; how Nelnet acquired servicing rights ; the guarantors role ( XXXX ) listed in the XXXX  ; all transfers or assignments of the debt ; Nelnet did not provide any of this information. Instead, they issued a generic form letter claiming the dispute was incomplete, invalid, or a goodwill request, despite my dispute explicitly requesting factual verification and documentation. Their letter also incorrectly stated they are unable to complete goodwill credit requests, even though I never asked for goodwill adjustments. 

This failure to investigate violates FCRA 1681s-2 ( b ) because they furnished information about me and then refused to verify the accuracy when notified of a dispute. Nelnet also requires me to supply a copy of my credit report and other documents that FCRA does not obligate consumers to provide in order for a dispute to be valid. 

My MPN shows American Student Assistance ( XXXX ) as the guarantor and identifies a XXXX address in XXXX, XXXX. ( See page XXXX of Relevant Pages highlighted in XXXX ) Nelnet did not reconcile this with their claim that they service the loan on behalf of XXXX. 
This creates a substantial question as to ownership, authority, and the accuracy of the tradeline. 

I am asking that the CFPB require Nelnet to conduct a legally compliant investigation under FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: DE

Complaint narrative:
I am submitting this complaint against TrueAccord Corp. for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Illinois consumer protection laws. 

TrueAccord is attempting to collect and report an alleged XXXX XXXX debt in the amount of {$1100.00} under account number XXXXXXXX XXXX XXXX I dispute this debt in its entirety. 

1. Failure to Provide Proper Debt Validation ( FDCPA 1692g ) Upon receiving notice of this alleged debt, I timely disputed it and requested full validation. To date, TrueAccord has failed to provide competent evidence that it has the legal right to collect this debt, including but not limited to : A copy of a signed service agreement with XXXX ; Proof of assignment or chain of title authorizing TrueAccord to collect ; Itemized billing showing how the amount was calculated ; Evidence that the account belongs to me and was lawfully incurred. 

Instead, TrueAccord has continued collection activity and credit reporting without providing the required verification, in violation of 15 U.S.C. 1692g ( b ).

2. Reporting Disputed and Unverified Information ( FCRA 1681s-2 ) TrueAccord is furnishing information to consumer reporting agencies that is inaccurate, incomplete, and unverified. The account is being reported despite : A pending dispute ; Lack of validation ; No proof of contractual liability.

Reporting disputed information without proper investigation violates 15 U.S.C. 1681s-2 ( a ) and ( b ) and has caused harm to my credit profile.

3. Misrepresentation and Unfair Collection Practices ( FDCPA 1692e, 1692f ) By continuing to attempt collection without lawful proof of the debt or authority to collect, TrueAccord has engaged in false, deceptive, and unfair practices, including : Misrepresenting the legal status of the debt ; Attempting to collect amounts not legally owed ; Using automated collection practices without substantiating liability.

These actions violate 15 U.S.C. 1692e and 1692f.

4. Lack of Authority and Standing TrueAccord has not demonstrated that it is : The lawful owner of the debt ; or A duly authorized agent with enforceable rights under Illinois law.

Absent proof of authority, TrueAccord has no standing to collect or report this account.

HARM TO CONSUMER TrueAccords conduct has : Damaged my creditworthiness ; Caused emotional distress and frustration ; Forced me to expend significant time and resources defending against an unverified claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
account closed XXXX  paid off by the individual {$2100.00} To whom this may concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communications with me regarding the above-referenced account. 
This request includes, but is not limited to, telephone calls, text messages, emails, letters, and any communication through third parties. You are instructed to stop all contact immediately except as specifically permitted by law. 
Under 15 U.S.C. 1692c ( c ), once this notice is received, you may only contact me to : Advise that your collection efforts are being terminated ; or Notify me that you may invoke specific legal remedies. 

Any communication beyond these exceptions will constitute a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX as well as potential legal action. 

This letter is not an acknowledgment of any debt, nor is it a promise to pay. 

Please confirm in writing that you have complied with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Immediate Release of all held or restricted funds to my verified wallet address. 
A Formal Explanation of the discrepancy. 
Account Termination upon successful recovery of assets. 
XXXX. Final Notice Failure to rectify this situation within [ Number, e.g., XXXX ] hours will result in this file being forwarded to the Internet Crime Complaint Center ( IC3 ), relevant financial ombudsmen, and my legal counsel. My path is clear, and I will not permit this distraction to persist. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation