vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am enrolled in an income-driven repayment ( IDR ) plan for my federal student loans, which Nelnet services . My monthly payments have been miscalculated, resulting in significantly higher payments than what is allowed under federal IDR rules. Specifically, my payment exceeds the percentage of discretionary income allowed under the SAVE or REPAYE plan.

Despite providing updated income and household size information, Nelnet has failed to adjust my payment properly and has not given me a clear breakdown of how the amount was determined. Ive also reviewed recent claims made in a federal class action ( XXXX v. Nelnet Servicing , LLC ) that allege Nelnet miscalculates IDR payments across many borrowers. 

This issue has created a financial hardship and appears to reflect systemic servicing errors. I am requesting the CFPB 's assistance in requiring Nelnet to : 1. Recalculate my monthly payment based on accurate income and family size using the proper IDR formula 2. Provide a full breakdown of how the payment was calculated 3. Correct any related negative credit reporting if inaccurate amounts have been reported 4. Cease all further inaccurate billing until validation is complete I have attempted to resolve this directly with Nelnet but have received vague or no responses. I am requesting the CFPB intervene to ensure compliance with federal loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX CT # XXXX XXXX IL XXXX I am writing to formally dispute inaccurate and unauthorized information on my Experian consumer report I have identified the following violations : 1. Unauthorized Hard Inquiries Three ( 3 ) hard inquiries appear on my report that I did not authorize. These inquiries are fraudulent and must be removed immediately. 

2. * * Incorrect Addresses * * Experian continues to report inaccurate addresses that I have never associated with, despite prior disputes. This demonstrates reckless handling of my personal data. 

I previously disputed errors with Experian, yet your agency failed to correct them, which constitutes negligence under the FCRA. I have also filed a complaint with the FTC Report XXXX, ( XXXX ). 

Legal Notice This is not a requestit is a demand for compliance. If Experian fails to correct these inaccuracies immediately, I will pursue all available legal remedies, including : - Seeking damages for willful non-compliance under * * FCRA 1681n.

Do not send generic stall letters like you have previously. Confirm in writing that the disputed items have been removed and send all correspondence to my address above.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I see that it was inquired submitted on my credit report that I never did and I contacted the credit company they refused to provide where it came from and to remove it

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been a loyal customer of Capital One for over 5 years. I currently have 3 personal credit cards and authorized on 2 others with them. For years I've been working hard to rebuild my credit, staying consistent and doing all the measures their free credit wise website has to monitor. I've done the 30 % or below utilization, I've done the high balance and paying off in full, I've done high balance and paying minimum payment or higher percentage than minimum payment. Capital One states they do credit line increases every 6 months, however, they've failed and lied to me regarding the credit line inquiry. I've called in and spoke to someone and I've dealt with the incompetent chat bot. I really would love a clear understating as to why they advertise credit line increases which will help my credit and overall financial goals boost and then turn around and deny. Once I do the credit line increase request online, I get a email stating denial, followed by a follow up email about applying for a new credit card. Currently, I'm employed full time and started a business at the beginning of this year, the business credit card emails have been nonstop, but I did the preapproval and was denied but then sent a follow up for a personal credit card. I'm at the point of just cancelling all my cards and my wife 's card and then going for a XXXX credit card and using it for my business and then getting a personal card through my credit union. I want to work with a company that is transparent, respects their clients financial goals, credit and overall wellness. Capital One really just looks at me like a number, and I'm no longer standing for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EdFinancial Services
State: MD

Complaint narrative:
EdFinancial Services appeared on my credit report although I've never opened, nor cosigned a loan with them. After several calls and emails with the company, they confirmed that I do not have an account and removed it from my credit report. It appears, that account is delinquent and has been rereferred to a collection agency, that added it back to my credit report. I called EdFinancial, but was given no way to resolved the issue. I filed a dispute on my credit report and the company reported the information as accurate. The loan is a Parent Plus loan taken out by the mother of my daughter. We were never married, nor cohabitated. I never never signed or cosigned for a loan on her behalf. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

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 2025-05-14 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: GA

Complaint narrative:
I am writing to formally dispute the collection/charge-off account appearing on my credit report, which is directly tied to the XXXX XXXX XXXX Social Security Number Breach . This account is fraudulent, and I demand its immediate removal from all credit reporting agencies. 

Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account

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 2025-05-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) i was a victim of identity theft. As the consumer protected by the Fair Credit Reporting Act ( FCRA ) under section 605b. ( i am formally asking that you block/delete all account that are resulting identity theft or fraudulent activity.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase assist XXXX fraud my father {$1000.00} and including some late fee and interesting charge on my credit card ending XXXX. We unauthorized the policy XXXX XXXX XXXX  made with amount of {$2000.00}. And XXXX XXXX agent said he receive only {$1000.00}. So, I have to dispute that amount he scam he should not receive it even {$1.00}. Why XXXX XXXX took {$1000.00} from Chase bank for not authorized? Why Chase bank assist XXXX XXXX by made me paid them that amount including 4 months late fee and interest charge with current balance {$1200.00} today XXXX XX/XX/XXXX. 
Scam happened on XX/XX/XXXX. XXXX bank had notarized mark at fraudulent XXXX. However, Chase bank assist XXXX after that from XXXX another 6 months not authorized. In XX/XX/XXXX, XXXX mark at second fraudulent again {$1600.00} during that policy period. XXXX XXXX  was professional resolve the issue at scam activity, but Chase Executive office can not. Chase can not investigate because they assist XXXX. I noticed in the XXXX no one above law but XXXX above law. Statefarm fraud by not authorized transaction but they keep do it and still receive the money that way. And no problem for them Why? Behind them XXXX have a big hand cover like Chase Bank, some more I don't know. 
Today, I report this issue to CFPB to help us resolve, also it not only my case, please stop fraud that way to other. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was impacted by a data breach that exposed my email address and phone number. XXXX XXXX  never contacted me regarding pending payments, but my credit score plummeted by XXXX points due to delinquent payments on XXXX accounts. I never received any correspondence from XXXX XXXX, and despite filing a dispute, I have not received any response from them. 

I also filed disputes with XXXX, XXXX, and Experian, and received the same unsatisfactory response : my accounts were verified with no further explanation. I have been taking significant steps to improve my credit score, particularly after being out of work on XXXX for XXXX months. The addition of these late payments has put me in a precarious situation. I am set to move at the end of XXXX, and with my score in its current state, I will not qualify for approval. 

The inaccurate credit report generated by XXXX XXXX is a violation of the Fair Credit Reporting Act. I demand the immediate removal of these late payments from my credit reports across all reporting agencies.

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 2025-05-13 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: FL

Complaint narrative:
I was impacted by a data breach that exposed my email address and phone number. XXXX XXXX never contacted me regarding pending payments, but my credit score plummeted by XXXX points due to delinquent payments on XXXX accounts. I never received any correspondence from XXXX XXXX, and despite filing a dispute, I have not received any response from them. 

I also filed disputes with Equifax, XXXX, and XXXX, and received the same unsatisfactory response : my accounts were verified with no further explanation. I have been taking significant steps to improve my credit score, particularly after being out of work on XXXX for XXXX months. The addition of these late payments has put me in a precarious situation. I am set to move at the end of XXXX, and with my score in its current state, I will not qualify for approval. 

The inaccurate credit report generated by XXXX XXXX is a violation of the Fair Credit Reporting Act. I demand the immediate removal of these late payments from my credit reports across all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I was impacted by a data breach that exposed my email address and phone numberXXXX XXXX XXXX never contacted me regarding pending payments, but my credit score plummeted by XXXX points due to delinquent payments on XXXX accounts. I never received any correspondence from XXXX XXXX, and despite filing a dispute, I have not received any response from them. 

I also filed disputes with XXXX TransUnion, and XXXX, and received the same unsatisfactory response : my accounts were verified with no further explanation. I have been taking significant steps to improve my credit score, particularly after being out of work on XXXX for XXXX months. The addition of these late payments has put me in a precarious situation. I am set to move at the end of XXXX, and with my score in its current state, I will not qualify for approval. 

The inaccurate credit report generated by XXXX XXXX is a violation of the Fair Credit Reporting Act. I demand the immediate removal of these late payments from my credit reports across all reporting agencies.

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 2025-05-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

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 2025-05-13 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IN

Complaint narrative:
I have fraudalent acounts and inquries on my credit report Fraudalent acounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudalent inquiries XXXXXXXX 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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