vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
The Dept. of Education / Nelnet student loan accounts are being reported multiple times on my XXXX  credit report under the same account numbers. These are not separate loans but duplicates of the same tradeline. The duplicate reporting is inaccurate, misleading, and negatively impacting my credit score by making it appear that I have more student loans than I actually do. This is a violation of the Fair Credit Reporting Act, which requires credit reporting agencies to ensure maximum possible accuracy of the information they report. Enclosed you will find Screenshot of XXXX  credit report showing duplicate accounts, Copy of ID, dispute letters to XXXX  & The Dept. of Education / Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously disputed the XXXX account with TransUnion over XXXX months ago, but it continues to be reported with inaccurate and inconsistent information. The account is showing a high balance of {$340.00}, while XXXX  reports {$300.00}. TransUnion also reports a date of last activity of XX/XX/XXXX, yet XXXX  reports XX/XX/XXXX and XXXX  reports XX/XX/XXXX. Additionally, the last payment date reported by TransUnion is XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. The credit limit is listed as {$300.00} by TransUnion, but XXXX  reports {$0.00}. These inconsistencies across the bureaus prove that this account is not being reported accurately or verified properly. Despite my previous dispute, the account has not been corrected or removed.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I opened a Chase account on XX/XX/year> at the XXXX XXXX XXXX branch in Rhode Island and provided my Social Security Number, which was scanned at account opening. Later, I received a letter saying XXXX could not verify my SSN and I needed to submit an XXXX verification form. 

I submitted the required SSN form on XX/XX/year> to XXXX XXXX at the XXXX XXXX XXXX, but it was never uploaded into the system. I couldnt reach out to them by phone that they have on XXXX. When I couldnt access my account, I returned on XX/XX/year>, and was told to fill out the form again. By then, the submission deadline of XX/XX/year> had passed. 

Because of this employees failure to process my paperwork on time, my account was closed. This was not my fault, and as a result I also lost eligibility for the direct deposit bonus I should have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I never applied for or consented to them. Despite my attempts to dispute these items directly with the credit bureaus and creditors, they have not been removed and continue to negatively affect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair Credit Reporting act. 
The List of addresses and names below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I am writing to dispute and request the removal of inaccurate personal information from my credit file. 
The following addresses and name variations are incorrect and must be deleted immediately : Incorrect Addresses : - XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX Mountain XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX, XXXX XXXX, CA XXXX- XXXX, NV ( all listings ) Incorrect Name Variations : - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please keep the following correct information only : - Current Address : XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, NV XXXX - Secondary Address : XXXX XXXX Warm XXXX XXXX # XXXX, XXXX XXXX, NV XXXX- Legal Name : XXXX XXXX XXXX - Date of Birth : 1994 has violated my rights. XXXX XXXX Section XXXX A. 
XXXX I have the rights to privacy. XXXX XXXX XXXX Section A Section XXXX : it also 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 seven 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I never applied for or consented to them. Despite my attempts to dispute these items directly with the credit bureaus and creditors, they have not been removed and continue to negatively affect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CL Holdings LLC
State: IL

Complaint narrative:
I am trying to buy a house and these collections are getting me denied. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This law gives me the right to have only accurate and verifiable information on my credit report. If information can not be verified, it must be corrected or removed. 

Under the FCRA, the credit reporting agency must : Make sure the information in my credit file is accurate. 
Investigate my dispute within XXXX XXXX 
Remove or fix anything that is inaccurate, incomplete, or can not be verified. 
Give me the results of the investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute multiple inaccuracies and unauthorized activities appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to ensure all information reported about me is accurate, complete, and verifiable. 
The following addresses reported on my credit report are not associated with me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, the following accounts and inquiries appear on my report without my authorization or contain inaccurate information : Late Close Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} Unauthorized Inquiries Included in Dispute : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I am formally requesting a complete reinvestigation of all disputed items. If any information can not be verified, it must be removed promptly.

Additionally, under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), the above inquiries must have a permissible purpose to be reported. I dispute all inquiries that I did not authorize or initiate.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that XXXX a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-08-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In early XXXX, I requested to close my HighYield CD at Marcus by Goldman Sachs ( balance : {$130000.00} ) and agreed to pay the disclosed early withdrawal penalty of {$2800.00}. XXXX later rejected the transfer because the receiving account was a trust account, which their policy does not allow. Without my request, they reopened the same CD with the same account number, term, and rate. On XXXX ( XXXX after XXXX ), XXXX XXXX confirmed by XXXX that closing the account now would incur the same penalty again, and that there is no written policy supporting this. The XXXX remains open because I refuse to authorize a second, undisclosed fee for what is effectively the same earlyclosure request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
My name is XXXX XXXX. I am just a hardworking man, a truck driver who spends endless hours on the long highways of this country, sleeping in hotels far from home, sacrificing comfort and time with my family just to earn an honest living. And yet, in XXXX of those lonely places, my identity was stolenand with it, my peace, my dignity, and the life I fought so hard to build. 
Since that moment, everything has become a nightmare. Each time I look at my credit report, I see accounts and inquiries tied to my name that I never opened, never applied for, and that are not mine. It breaks me to see debts dragging down my reputationlike XXXX  ( Account number : XXXX ) Loan Opened in XX/XX/XXXX, which at XXXX point even appeared as XXXX XXXX, as if they were deliberately hiding behind different names XXXX ( Account number : XXXX ) Credit Card Opened in XX/XX/XXXX XXXX ( Account number : XXXX ) Credit Card Opened in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( Account number : XXXX ) Auto Loan Opened in XX/XX/XXXX. Even inquiries, such as XXXX XXXX with XXXX  on XX/XX/XXXX, XXXX of them belong to me, yet they poison my record as if they were mine. 
I have called these companies again and again, desperately pleading for help, begging them to recognize that I am a victim of fraud. But I was met only with silence, indifference, and closed doors. Not XXXX of them offered a solution, not XXXX of them extended a hand. Instead, I am left carrying the unbearable weight of this fraud alone, while my namemy only true possessionis dragged through the mud. 
All I ever wanted was to live honestly, to provide for my family with the sweat of my work, and to rest at night knowing I had done right. But now, I live in anguish, because this stolen identity is destroying everything I built with sacrifice, leaving me helpless and abandoned in a system that refuses to protect me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been in contact with the Company Navy Federal XXXX, when I first learned of the account, I let them know that I had no knowledge of this account. They sent it to attorney, and I reached out to them and was in contact with them, and I was awaiting a response back from either one of them. The next response i received was a garnishment which I received in mail XX/XX/XXXX, it was filed on XX/XX/XXXX. I immediately reach out to the attorney 's office and explained to them I was just in communication with them in XX/XX/XXXX. This account was opened in XXXX. The person I spoke with then stated that she was escalating it on her end, and to contact Navy Federal. I did that and they said they received all documents from me, I sent them what i had received from the attorney 's office. I then proceed to tell them if you are going to hold me reliable I dent want my wages garnished because I'm on temporary XXXX from a job injury last XXXX, and I have had XXXX surgeries already and may have to have another one in XXXX or XXXX, but I would like it to be added to a the attorney I have consolidated my bills with now. Navy Federal referred me back to the attorney 's office. So, I'm back a square one with them. I don't have any information other than what the attorney office sent me and the statement was blank no charges on it or anything. So, I reached out to the courts today, and I have to go online to dispute it. It is affecting my credit big time. please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint because Midland Credit Management ( MCM ) is reporting and attempting to collect on an alleged Capital XXXX debt without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Details of Violations : Failure to Validate the Debt ( FDCPA 809 ( b ) ) On June 1, 2025, I sent MCM a formal debt validation request.

I requested : The original signed agreement, A full account history and itemized balance, Proof of assignment/ownership ( chain of title ), A bill of sale linking my account to MCM.

MCM has not provided any of these documents.

Continued Reporting Without Validation Despite failing to validate, MCM continues to report this account to Experian and potentially other CRAs.

This violates FDCPA 1692g ( b ) and FDCPA 1692e ( 8 ), which prohibits reporting false or disputed information. 

XXXX XXXX The reported balance lacks any itemization ( principal vs. interest/fees ). 

This is misleading and violates FDCPA XXXX and Fields v. XXXX XXXX Firm, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Possible Re-Aging of Account The Date of First Delinquency ( DOFD ) does not match Capital Ones charge-off records. 

This raises concern of re-aging, violating FCRA 623 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was told that I needed to complete a fraud application I havent applied for credit your system is damaging my name with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
TRANSUNION ALERTED ME THAT HATCHENFIN DID A HARD INQUIRY ON MY CREDIT REPORT WITHOUT MY PERMISSION OR KNOWLEDGE. THEREBY LOWERING MY CREDIT SCORE BY 5 POINTS. AND PLACING ME FROM OUTSTANDING TO VERY GOOD. WHEN I CONTACTED TRANSUNION AND INFORMED THEM THAT THIS WAS DONE WITHOUT MY AUTHORIZATION, I WAS TOLD I WOULD HAVE TO CONTACT HATCHENFIN DIRECTLY AS THEY ARE THE ONLY ONES THAT CAN REMOVE IT. WHEN I CALLED THE XXXXXXXX XXXX FOR XXXX  ON MY CREDIT REPORT, THE REP SAID HE COULD NOT FIND ANYTHING AND KEPT PLACING ME ON HOLD. YET, HE REFUSED TO REMOVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX. of XXXX has XXXX reported inaccurate and unfair student loan delinquencies to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in dispute are as follows : XXXX. of XXXX Account # XXXX Balance : {$3500.00} XXXX. of XXXX Account # XXXX Balance : {$260.00} XXXX. of XXXX Account # XXXX Balance : {$570.00} XXXX. of XXXX Account # XXXX Balance : {$2100.00} These delinquencies have been inaccurately reported because my loan servicer failed to provide the required XXXX advance notice of billing once my forbearance period expired, as mandated by 15 U.S.C. 1666b. Without proper notification, I was denied the opportunity to make payments on time, and late payments were improperly added to my credit reports.

This conduct also violates 15 U.S.C. 1681s-2, which requires furnishers to ensure that information reported to consumer reporting agencies is accurate and complete. By reporting late payments without fulfilling their legal notice obligations, XXXX. of XXXX knowingly furnished inaccurate information that has unfairly harmed my credit standing. 

I request immediate regulatory enforcement requiring removal of these inaccurate delinquencies from my credit reports. If corrective action is not taken, I reserve the right to escalate this matter further, including legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercury Financial Intermediate LLC
State: IN

Complaint narrative:
Discovered someone had stolen my identity and received a credit card in my name with this company. Contacted them and they stated someone from their fraud division would contact me and no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-28 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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