vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Fraudulent Wire Transfer Failure of Identity Verification by Chase Bank Details of the Transaction : On XX/XX/XXXX, I wired {$15000.00} for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX to the following account under the name XXXX XXXX CA XXXX : Bank Name : Chase Bank Branch Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Routing Number : XXXX Account Number : XXXX Complaint : I am filing this complaint to report that Chase Bank allowed a scammer to open and operate a fraudulent account without properly verifying the individuals identity or confirming the legitimacy of the entity involved. 

The account in question appears to have been opened using false or stolen information, and it is now evident that the individual or entity behind it was operating a scam. Chase Bank failed to perform the due diligence required under federal Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) regulations, which are designed to prevent exactly this type of fraudulent activity. 

As a direct result of Chases failure to adhere to proper identity verification protocols, I suffered a financial loss of $ XXXXmoney I worked hard to earn and believed I was using for a legitimate purchase. 

I am requesting that this matter be thoroughly investigated and that Chase Bank be held accountable for allowing a fraudulent account to be opened and used to scam unsuspecting individuals like myself. I am also requesting that Chase take full financial responsibility for this loss and reimburse me for the funds that were stolen due to their failure in safeguarding the banking process. 

Please let me know if additional documentation or evidence is required to support this complaint. I am willing to fully cooperate in any investigation. 

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I'm asking you to verify is accurate. 
XXXX XXXX Account Number ( Last 4 ) : 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 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Complaint Title : Dept of Education/NELN Inaccurate Late Payment Reporting, Balance Errors & Data Inconsistencies What is the problem?

I am filing a formal dispute regarding multiple federal student loans currently serviced by Dept of Education/NELN that show 2 or more late payments ( 120 to 180+ days ) and report past due balances that are both inaccurate and unverifiable. 
Accounts affected include : Loan Servicer : DEPT OF EDUCATION/NELN Account Numbers : Multiple beginning with XXXX Account Type : Federal Education Loans Dates Opened : XX/XX/XXXX XX/XX/XXXX Status : Open, but listed with past due amounts as of XX/XX/XXXX Past Due Amounts : {$200.00}, {$250.00}, {$420.00}, and {$960.00} respectively Monthly Payments : {$29.00} {$130.00} Last Payment Date : XX/XX/XXXX Reported Delinquencies : 120, 150, and 180 days past due during periods where data is marked ND ( No Data ) Specific Issues : Inconsistent payment history shows ND ( no data ) during months late payments are listed. This violates the accuracy requirement under the Fair Credit Reporting Act ( FCRA ).

Outstanding balances exceed original principal, despite the Department of Education mandating a 0 % interest pause from XX/XX/XXXX through XX/XX/XXXX under the CARES Act.

Late payments were reported during a period of administrative forbearance, which contradicts federal guidance.

There is no evidence that proper borrower outreach or income re-certification was completed, as required annually under Income-Driven Repayment ( IDR ) provisions.

These accounts have been previously disputed, but no documentation or correction has been provided.

Applicable Laws Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681e ( b ) Data must be accurate, complete, and current. ND + delinquency = conflict.

1681s-2 ( b ) Furnishers must investigate and correct or delete inaccurate information.

1681i ( a ) ( 5 ) ( A ) Credit bureaus must delete any information that can not be verified.

2. Higher Education Act ( HEA ) 20 U.S.C. 1087e, 1098e Requires annual IDR re-certification and hardship/deferment eligibility review.

Late payments resulting from servicer failure to notify or process borrower requests are not the borrower 's fault.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Accurate disclosure of balance and repayment terms is required.

Unexplained increases in loan balances during 0 % interest period is a violation of TILA principles.

4. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

If collection attempts were made, misrepresenting the status or amount of debt violates 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any/all inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX ( Georgia XXXX XXXX ) Acct # : XXXXXXXX XXXX XXXX Balance : {$350.00} Violations : FCRA 611 Improper reporting of closed collection without documentation FCRA 609 No proof of debt FDCPA 809 Collector failed to validate XXXX / XXXX XXXX Acct # : XXXXXXXX XXXX XXXX Balance : {$1200.00} Violations : FCRA 611 Reporting despite lack of verification FCRA 609 No evidence of debt or signed agreement FDCPA 809 Unvalidated debt, collector failed to notify XXXX XXXX / XXXX Acct # : XXXXXXXX XXXX XXXX Balance : {$220.00} Violations : FCRA 611 Unverified derogatory item FCRA 609 Missing original agreement or itemized proof FDCPA 809 No validation notice provided

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently discovered that Capital One reported three late payments on an inactive card I wasnt monitoring. These were triggered by an unnoticed annual fee. I paid the full balance as soon as I found out. My credit score dropped from XXXX to XXXX as a result. 

I contacted Capital One multiple times. One rep said they could remove the late payments as a goodwill gesture. I repeatedly asked for reassurance and he stated that the late payment would be removed from my credit report. I called back to be sure and another representative contradicted this. I also emailed the CEO and senior advisor.

Im asking Capital One to remove the late payments as a one-time goodwill courtesy. Ive been a responsible customer with a strong payment history and acted immediately once aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX and XXXX XXXX  XXXX  was forgiven and this is on the XXXX XXXX  XXXX website and they said it takes them 3 years to complete a claim I just want this off my creadit

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 2025-07-16 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DEPTEDXXXX XXXX  XXXX XXXX XXXXEInquiryXXXX  XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX5 XXXX XXXXXXXX XXXXInquiryXXXX XXXXXXXXXXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXXXXXX - Incorrect Personal XXXXXXXX XXXX XXXX XXXX - XXXX Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXXXXXX, Balance : {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Several hard inquiries were made to my TransUnion credit file by companies I never applied for or authorized, including XXXX XXXX ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXXXXXX  ( XXXX, XXXX, and XXXX ). These inquiries occurred without my consent or a permissible purpose in violation of the FCRA, specifically 15 USC 1681b, which prohibits access to a consumer report without a valid reason. This situation mirrors XXXX v TransUnion, where the court ruled that unauthorized credit pulls without a legitimate purpose violate the FCRA and entitle the consumer to damages. I demand the immediate deletion of these unauthorized inquiries.

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 2025-07-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by Nissan Motor Acceptance an XXXX XXXX XXXX inquiry dated XXXX  with phone number ( XXXX ) XXXX which continues to appear on my XXXX XXXX  XXXX and XXXX  files despite my formal disputes. I never applied for financing or granted permission for Nissan Motor Acceptance to pull my credit, yet this spurious inquiry remains and is unfairly inflating the number of hard inquiries on my report. As a direct result, I have been denied credit cards and loan products for which I otherwise qualify, and my efforts to rebuild my credit following a resolved XXXX  identitytheft incident are being repeatedly set back. All of my legitimate accounts rent, XXXX, XXXX are in perfect standing, so this unauthorized pull misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I order a Citi Bank Double Cash I received the card 2 months ago and customer service was unable do balance transfer and they advised me to do online balance transfer and its wouldnt allow me to do balance transfer because of security and I had wait 7 days for a security code and than they said I have wait another 7 days for security verification code. I feel like they discriminated against me because every time I contact they asking me for a lot of security questions. This causes my credit score to go decreased because of my XXXX XXXX  interest rate is high and over 2 weeks been trying get someone to help.

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 2025-07-16 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have submitted multiple disputes regarding inaccurate collections accounts that continue to appear on my credit report, despite my efforts to have them removed. This account includes a " credit card '' account from XX/XX/year>2019 by " APPLE CARD/GS BANK USA XXXX XXXX I want to clarify that this debt is not mine and were likely the result of identity theft that occurred around 2019. Since resolving the identity theft issue, I have been actively working to rebuild my credit and restore my financial standing to where it was prior to the fraudulent activity. Most of the fraudulent stuff has been removed. However, the continued presence of this account is still negatively impacting my credit to this day, showing a huge lack of successful payment history every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have been a victim of identity theft. My personal information was used without my authorization to open completely fraudulent accounts. This situation has caused me immense emotional XXXX  and put my financial well-being at risk. I urgently request that the following fraudulent accounts and inquiries be blocked and deleted immediately, as they do not belong to me and are severely damaging my personal and credit history : XXXX - XXXX  - Date Opened : XX/XX/XXXX XXXX  XXXX - Installment - Date Opened : XX/XX/XXXX XXXX XXXX  - Collection - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Collection - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Collection - Date Opened : XX/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 2025-07-16 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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