vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year>, my credit card was charged {$140.00} by XXXX without my authorization. 

I reported the charge to the card issuer immediately and my card was replaced. I did not make this purchase. 

After reporting the fraud, I booked the same hotel legitimately through XXXX using a different credit card for {$99.00} for a stay on XXXX XXXX XXXX 

At check-in, hotel staff informed me that two reservations existed under my name. I explained that the earlier reservation associated with the {$140.00} charge was fraudulent and had already been reported. The hotel verified this and canceled the fraudulent reservation. I stayed only under the XXXX booking. 

The card issuer denied my dispute on the basis that I received benefit from the {$140.00} charge. This conclusion is incorrect. The fraudulent reservation was canceled and never used. Any hotel stay corresponds only to the XXXX booking paid with a different card. 

I requested reconsideration and provided clarification, but the issuer upheld the denial. I am disputing the issuers resolution process and requesting reversal of the fraudulent charge based on the facts and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXX XXXX XXXX Account # : XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH

Complaint narrative:
On the XX/XX/XXXX an international wire transfer was made from XXXX to the us. XXXX weeks later still no money in receiving account. Called both banks XXXX receiving band and XXXX XXXX sending bank also called XXXX XXXX used by XXXX .. Bank of New York Mellon XXXX Both XXXX and Bank of New York Mellon stated that they cant help. 
Today checked again with XXXX XXXX about the outcome of the wire trace, they stated money wasnt moved along yet but could not confirm where or who hast it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
These companies claim I inquired on their services without any consent or proof that I did, Ive been ignored two times

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 2025-12-22 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:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have demanded debt validation and i received nothing.

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 2025-12-22 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: VT

Complaint narrative:
I am writing to formally address an ongoing issue regarding the inaccurate reporting of my payment count. Despite my repeated requests to your models for correction, it appears that my account is not accurately reflecting the 118 payments I have made. Currently, only 82 payments are being accounted for, and this discrepancy remains unresolved despite multiple reconsideration requests.

Additionally, I submitted an opt-out request for SAVE and forbearance periods, which I believe should have been considered in the payment count. I have even offered to buy back the months that were not included, but no satisfactory resolution has been provided.

If this issue is not resolved promptly, I will be forced to take further action, including potentially hiring legal counsel. I plan to make my final two payments this month and next, after which I will reassess my options based on your response.

I appreciate your attention to this matter and expect to hear from you at your earliest convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a fraudulent rental collection reported by RentDebt Automated Collections under account number XXXX in the amount of {$1900.00}. This account is appearing on my credit report without my authorization or consent. I did not open or approve this account. This is a direct result of identity theft. The fraudulent activity began around XX/XX/XXXX and was discovered in XX/XX/XXXX. 

I have already submitted an FTC Identity Theft Report ( # XXXX ) and mailed dispute letters to all three credit bureaus. I also requested debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but no original signed contract or chain of title has been provided.

This account is in violation of the following federal consumer protection laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft block FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation duties FCRA 1681e ( b ) Maximum accuracy obligation FCRA 1681i ( a ) ( 5 ) ( A ) Deletion of unverifiable info FDCPA 809 ( 15 U.S.C. 1692g ) Debt validation FDCPA 805 ( 15 U.S.C. 1692cc ) Unauthorized disclosure This continued reporting is harming my ability to provide for my family. It is outrageous, inhuman, and unlawful for this account to remain after official identity theft documentation has been submitted. My personal information was also exposed in the XXXX  data breach, which proves the vulnerability of my identity. 

I am requesting the immediate and permanent deletion of this fraudulent account from my credit reports. If RentDebt Automated Collections can not provide full documentation with my wet signature, a complete payment history, and a valid chain of title proving their legal right to collect, this item must be removed without delay. 


Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am submitting this follow-up to clarify inaccuracies in the companys response and to formally dispute their claims. 

Nelnet states they contacted me in XX/XX/year> ; however, I did not receive any notice. After that time, I updated my contact information, yet Nelnet continued sending communications to an email address I no longer have access to. Sending correspondence to outdated contact information does not constitute proper notice. 

Additionally, this account was previously disputed with XXXX  and Nelnet around XXXX XXXX. That dispute resulted in correction of the reporting and restoration of my credit score. No new delinquency, missed payment, or negative activity has occurred since that correction. 

Despite this, Nelnet has again furnished potentially negative information to XXXX  in XX/XX/year>, resulting in a XXXX credit score drop. I was not notified of any reinsertion of negative information, as required under the Fair Credit Reporting Act. 

This appears to be an unlawful reinsertion of inaccurate information and a failure to ensure maximum possible accuracy, in violation of the FCRA. My federal student loan account has remained in good standing with an active repayment status and a {$0.00} required monthly payment, as confirmed by XXXX. 

I am requesting that the CFPB require Nelnet to : 1. Correct the inaccurate information furnished to XXXX.

2. Remove the potentially negative designation.

3. Confirm in writing that accurate information is being reported going forward. 

This inaccurate reporting is causing material financial harm and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-22 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened a checking account with Ally Bank on XX/XX/year> using the XXXX promotion code, which entitled me to a {$200.00} welcome bonus for making XXXX consecutive monthly {$2000.00} deposits. Those deposits were completed on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I received an email dated XX/XX/year> acknowledging my first deposit : " XXXX, nice work! Your first direct deposit successfully hit your Ally Bank XXXX Account - keep going to earn your {$200.00} cash bonus. As a reminder, you need to : Make at least XXXX consecutive monthly Qualifying Direct Deposits of at least {$2000.00} ( can be done over multiple QDDs ). 
Your {$200.00} cash bonus will be paid into your Spending Account within XXXX days after you reach the third consecutive monthly {$2000.00} XXXX minimum. 
To be paid, make sure you keep your Spending Account open and in XXXX XXXX through the payout date. '' When I did not receive the {$200.00} cash bonus XXXX days after my third qualifying deposit on XX/XX/year>, I spoke to a customer service representative on XX/XX/year> to open a case ( # XXXX ) ; they told me to wait XXXX to XXXX business days. I spoke to another customer service representative on XX/XX/year>, who told me to wait XXXX business days. Thirty-five business days later, on XX/XX/year>, I spoke to another customer service representative who confirmed I am eligible to receive the {$200.00} cash bonus but said to wait longer ( but would not give a timeline to wait like the XXXX previous representatives did ). My cash bonus was due to me on XX/XX/year> ; it's now XX/XX/year>, I have no bonus, and the bank is not interested in resolving the issue.

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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance owns my auto loan but required payments to be made through their attorney. I made payments as directed but was never provided written proof that the account was paid or satisfied.

Credit Acceptance verbally stated the account was reported as paid, yet prior payments were never reported and late payment history remains. I was denied the ability to pay directly and my calls and questions were not answered.

This results in inaccurate and incomplete credit reporting. I am requesting written confirmation of payment and correction or deletion of inaccurate 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 2025-12-22 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 am filing this complaint regarding inaccurate and improperly reported information on my Experian credit report. 

Unauthorized / Improper Inquiries XXXX  XXXX XXXX Inquiry dated XX/XX/year> XXXX  Card Inquiry dated XX/XX/year> Late Payment Dispute XXXX  XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in 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