vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Company has closed account and held funds for no valid reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year> I transferred {$65000.00} by ACH transfer from my retirement account ( at a different bank ) to my account at JPMorgan Chase. 
On XX/XX/year> I sent the money by Certified check as a loan to my fried ( that I have known for over 3 years ) to his account. 
On XX/XX/year> I was contacted by XXXX XXXX XXXX XXXX from the JPMorgan Chase XXXX XXXX Department in XXXX, Ohio ( XXXX ). He stated that they considered this a fraudulent transaction. I told him I initiated the transfer and it was not fraud. I knew who I was sending the money to and there was no fraud. He told me that I should not have sent the money and I needed to get it back to avoid fraud issues. I told him again there was no fraud. He said that the branch manager filed an alert about my account and that was when he got involved and checked into my transfer. I told him it was already too late to get it back, I had sent the check out 2 days before and I did not think I would be able to get it back. He said I need to try. I was trying to check into this and I got a call from my sister that she was at the Emergency Room so I could not complete it. By the time I got back to it 2 days later I could not get it back. 
In the meantime XXXX XXXX froze my checking and savings account without telling me so all of my automatic payments started being denied, so now I had late fees on my account as well as trying to find another place to pay my bills from. 
I am a XXXX XXXX XXXX woman who has Social Security and a small pension from my deceased husband to live off of, I do have a retirement account and have resorted to moving money from there to pay my bills. 
I have contacted XXXX XXXX and the Chase branch in my area several times with no assistance. 
At of right now I believe XXXX XXXX XXXX XXXX is committing elder abuse by holding my last 3 Social Security checks hostage because he thinks I committed fraud and even states that I may have been in on the fraud. 
I need this resolved as soon as possible. I can not keep taking funds from my retirement account and depleting the amount I have to live on in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
In XXXX i took out a ffel loan in XXXX the loan defaulted then in XXXX i consolidated my loan then in XXXX the loan defaulted XXXX my federal taxes where garnished XXXX consolidated my loans XXXX my loan was discharged under Borrowers defense post class applicant from sweet vs doe. Been inquiring about my refund for months and keep being informed im not owed a refund because my loan was ffel default resolution group do not garnish for private held loans only loans thats are held by the dept of XXXX and stop sending me info talking about my loan defaulted in XXXX that may be true but the loan was consolidated after the money in question was taken XXXX for the XXXX default not XXXX i want the money that was taken as well as interest the writing there someone just cant comprehend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple accounts and late payments that are inaccurate, incomplete, and not verifiable. Under FCRA 1681e ( b ), you are required to maintain maximum possible accuracy, and under FCRA 1681i, you must conduct a proper reinvestigation when I dispute items. These entries continue to appear despite prior disputes, which shows a failure to uphold these obligations. 

I am requesting a full reinvestigation of each item below and removal if the furnisher can not provide complete, accurate, and verifiable documentation. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
I am not responsible for these accounts and request that they be taken off my report within XXXX  days per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX has traded, bought and sold my information without my permission or consent. i have been a victim of identity theft due to the data breach and my information was leaked allowing for my personal information to be used to open up multiple accounts and credit cards and loans in my name without my authorization. i filed a identity theft claim and ftc claim for this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Experian account and get emails with updates. Latest shows email found on dark web. I can not log in with saved information. Information entered is correct but not recognized. Suspect my account has been hacked. No way to speak to representative or submit problem by email. Experian should not be monitoring peoples credit reports when it is impossible to contact them except by US Mail.

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I submitted a request for this debt to be validated multiple times just to receive a response that it was correct but I received no verification of this information and it was requested multiple times, all the necessary information was made available for this to be done.

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 2025-12-08 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was notified of a large drop in credit score by my primary credit card ( XXXX ) in XX/XX/year>. I reviewed my credit report and found out an account was opened in my name with Synchrony Bank - XXXX and fraudulent charges of over {$10000.00} were made. I had no knowledge of this, nor have I ever applied for any banking accounts with Synchrony bank. At that time i submitted a fraud claim with the bank and locked my credit with the 3 beauraus. Synchrony denied the original claim without providing me any information as to why. I re-opened the claim and submitted additional information, however was denied again. At that time I asked for all information related to the opening of the account ( phone number, email address, other personal information ) and statements ( I had never received a statement ). They mailed the statements, however refused to give me additional information. 

Synchrony apparently opened another account in my name at some point in this process without my consent or knowledge, as the documentation i have received from them has 2 different account numbers. They refused to explain this to me as well. 

I have filed a police report with XXXX, Georgia PD and have also filed a report with the FTC. The case # s were shared with Synchrony Bank. 

A letter dated XX/XX/year> indicated the claim had been resolved in my favor, however i received a billing statement via email on XX/XX/XXXX. I called Synchrony and the person I spoke to said the fraud investigation was ongoing and the letter I received from them must have been an error. I have since retained legal counsel, as I have had to take time off of work numerous times to deal with this and Synchrony Bank has been of no help at all in resolving this matter.

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 2025-12-08 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:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-08 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
Good day, Doing well, I hope. This letter is in reference to the accounts listed below. That has a major impact on my credit score. The accounts shown on my credit report are a result of identity theft, in which my personal information was exploited. Because these accounts weren't mine to begin with, and because I have no business being held liable for anything that was made public without my consent, they are having a significant impact on my life. I'm sure you all would prefer not to shell out cash for something about which you know nothing, have never done business, and have never received any kind of service.

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 2025-12-08 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: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX  that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My federal student loan servicer is Mohela. 

My student loan account balance was {$170000.00} as of XX/XX/year>. 

I made a payment of {$10000.00} on XX/XX/year> towards a high interest loan ( loan # XXXX at 6.6 % interest ). 

My student loan account balance is now showing {$180000.00} as of XX/XX/year>. 

I noticed the error and called Mohela on XX/XX/year> and they confirmed that they received the payment, yet they did not have an explanation as to why my overall balance increased by over {$8000.00} despite receiving a payment of {$10000.00}. In response, they sent me a financial activity summary which shows the payments that I have made but it does not show the overall balance on my account. 

The interest accrued on my individual loans have all incorrectly changed as well. Some loans show an accrued interest that increased far beyond the interest rate on the loan and other loans show an accrued interest that paradoxically decreased despite not making payments towards that particular loan ( please see attached files ). 

I requested an internal review by Mohela accounting however they have not assigned my case to anyone in accounting as of XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items with each credit bureau separately. Under the Fair Credit Reporting Act ( FCRA ), I request that any information that can not be fully verified for accuracy and completeness be corrected or removed immediately. 
Charged Off Accounts in Dispute XXXX XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX {$5900.00} These accounts are outdated, inconsistent between bureaus, and appear to be reporting inaccurately. I am requesting verification or deletion. 

Inquiries in Dispute XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-08 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

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