vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I opened a Chase XXXX XXXX credit card in XXXX with a promotional offer to receive XXXX free night certificates after spending {$5000.00}. Upon completing the promotion I do not have access to the rewards account the points and nights are being sent to. I have been stuck in a XXXX  month loop contacting Chase for the rewards account they assigned to this card, only for them to tell me a letter is being sent. The letter then tells me to contact XXXX. XXXX has been very clear that they can not see the account in their end. They need Chase to give us the number. Chase is refusing to provide this or is pretending like they can not. 

I have spent {$5500.00} on the account, the account says congratulations, but I have no means of actually seeing the promo or using it. I have been stuck doing this run around for XXXX billing cycles without results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NM

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are weighing heavily on me and continue to affect me negatively in ways that are difficult to put into words. These are trying times, and it would be a great help to me, a true blessing, if these inaccuracies could be 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Likewise these COLLECTIONS ACCOUNTS are also not mine. 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
XX/XX/year> Via CFPB XXXX Re : CFPB Complaint No. XXXX XXXX XXXX Account No. XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX, This letter serves as my rebuttal and clarification to your XX/XX/year> response regarding my pending CFPB complaint. 

Contrary to your statement, my complaint is specific and well-detailed : 1. Fraudulent Name Usage The account is reported under a fictitious corporate construct that is not my true living name, constituting fraud and misrepresentation.

2. Illegal & Deceptive Practices XXXX XXXX XXXX has engaged in deceptive and unlawful practices, including false accounting and unlawful credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection statutes. 
3. Defamation & Damages The continued publication of false information has injured my reputation, caused financial harm, and constitutes defamation. 

Your dismissal of my complaint as lacking detail is inaccurate and unacceptable. I am not required to communicate by telephone as you suggested ; all communications shall remain in writing and on the record through the CFPB portal for accountability. 

Formal Demand : You are hereby provided XXXX ( XXXX ) days from receipt of this rebuttal to remove the fraudulent tradeline, cease further unlawful reporting, and provide written confirmation. Failure to comply will result in legal action seeking full damages, statutory penalties, and any other remedies available at law and equity. 

All rights reserved without prejudice. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau

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 2025-08-30 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: IL

Complaint narrative:
XX/XX/year> Via CFPB XXXX Re : CFPB Complaint No. XXXX XXXX XXXX Account XXXX. XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, This letter serves as my rebuttal and clarification to your XX/XX/year> response regarding my pending CFPB complaint. 

Contrary to your statement, my complaint is specific and well-detailed : XXXX. Fraudulent Name Usage The account is reported under a fictitious corporate construct that is not my true living name, constituting fraud and misrepresentation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged in deceptive and unlawful practices, including false accounting and unlawful credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection statutes. 
XXXX. Defamation & Damages The continued publication of false information has injured my reputation, caused financial harm, and constitutes defamation. 

Your dismissal of my complaint as lacking detail is inaccurate and unacceptable. I am not required to communicate by telephone as you suggested ; all communications shall remain in writing and on the record through the CFPB portal for accountability. 

Formal Demand : You are hereby provided XXXX ( XXXX ) days from receipt of this rebuttal to remove the fraudulent tradeline, cease further unlawful reporting, and provide written confirmation. Failure to comply will result in legal action seeking full damages, statutory penalties, and any other remedies available at law and equity. 

All rights reserved without prejudice. 

Respectfully, XXXX XXXX XXXX XXXX, Secured Party Creditor Cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
XX/XX/year> Via CFPB XXXX Re : CFPB Complaint No. XXXX XXXX XXXX Account XXXX. XXXX To : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX, This letter serves as my rebuttal and clarification to your XX/XX/year> response regarding my pending CFPB complaint. 

Contrary to your statement, my complaint is specific and well-detailed : XXXX. Fraudulent Name Usage The account is reported under a fictitious corporate construct that is not my true living name, constituting fraud and misrepresentation. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has engaged in deceptive and unlawful practices, including false accounting and unlawful credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection statutes. 
XXXX. Defamation & Damages The continued publication of false information has injured my reputation, caused financial harm, and constitutes defamation. 

Your dismissal of my complaint as lacking detail is inaccurate and unacceptable. I am not required to communicate by telephone as you suggested ; all communications shall remain in writing and on the record through the CFPB portal for accountability. 

Formal Demand : You are hereby provided XXXX ( XXXX ) days from receipt of this rebuttal to remove the fraudulent tradeline, cease further unlawful reporting, and provide written confirmation. Failure to comply will result in legal action seeking full damages, statutory penalties, and any other remedies available at law and equity. 

All rights reserved without prejudice. 

Respectfully, XXXX XXXX XXXX XXXX, Secured Party Creditor Cc : Consumer Financial Protection Bureau

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 2025-08-30 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: TX

Complaint narrative:
Having always paid on time, I believe this late entry is a mistake and should be promptly removed. Kindly amend my credit records.

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 2025-08-30 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: TX

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 Account Name : XXXX BANK XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a dispute for a charge of {$18.00}. With Citi .. it's not mine .. it must have triggered a late payment... 
Fraud was reported on XX/XX/XXXX. 
MY FICO SCORE ON XX/XX/year> is XXXX. I don't know where these are coming from. 
These robo calls are relentless. 
Thank you

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 2025-08-30 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I have borrowed {$270000.00} for my start loans for medical school from XXXX to XXXX from XXXX XXXX University which is a new medical school. This school overcharged the tuition and fees for which I understand that I agreed, but it was certainly not worth what they charge for all the yearly basis with most clinical sites not even fully set up. However, my interest was high in about XXXX XXXX, but the XXXX loans. I completed a XXXX residency and a one-year fellowship and after that I realize that interest rates ballooned and now my total was about {$470000.00}. At that point, I refinance my student loans with fed loans /nelnet and at that time I started making payments on a monthly basis more than the principal amount. Then when covid hit the XXXX XXXX XXXX all went to XXXX XXXX except for those who had to refinance item due to high interest rates that included myself. So I was overpaying until XXXX. The XXXX XXXX interest rate paused. I have been a good steward with paying off the loans that I have paid more than what I've owed. However, now I'm still dealing with a good amount of a balance that about XXXX and most of this was interest from the start of my education. I'm wondering if at least is there a way for me to get a refund on the money that I spent on interest during the time that covid mandated as XXXX XXXX interest rate on federal student loans that was not applied to private loans. It would be even better if I could get a forgiveness on the interest in total since my medical school overcharged for substandard education and facilities for the first XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
My Discover credit card account has been reported inaccurately and inconsistently across the credit bureaus. 

According to both XXXX  and XXXX, my last payment was made on XX/XX/XXXX. Based on that payment history, XX/XX/XXXX should have been reported as 30 days late, XX/XX/XXXX as 60 days late, and the account should have been charged off by XXXX or XX/XX/XXXX. Instead, Discover reported me as 120 days late with no payments made for XXXX, XXXX, and XX/XX/XXXX, but did not charge off the account until XX/XX/XXXX. 

The reporting is also inconsistent between bureaus : XXXX  lists the date of first delinquency as XX/XX/XXXX, but still shows XX/XX/XXXX as the first month of delinquency. 

TransUnion reports the account as 30 days late in XX/XX/XXXX, which directly conflicts with XXXX reporting. 

After applying the charge-off in XX/XX/XXXX, Discover continued to update the account as charged off every month through XX/XX/XXXX. This practice is inaccurate, misleading, and amounts to improper re-aging, which is not permitted under the Fair Credit Reporting Act ( FCRA ). 

I have attached a side-by-side reporting timeline that shows what the account should look like based on my last payment versus what Discover has actually reported. 

I am requesting that Discover : Correct the reporting to reflect the true delinquency and charge-off timeline, based on my last payment of XX/XX/XXXX. 

Remove all inaccurate late payment and charge-off notations that were misapplied between XX/XX/XXXX and XX/XX/XXXX. 

Delete the account entirely if Discover can not furnish a consistent and verifiable history that matches across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: LEXISNEXIS
State: SC

Complaint narrative:
I submit this dispute under the Privacy Act of 1974 to address LexisNexis Risk Solutions persistent sharing of my personal data after I exercised my opt-out rights. Despite clear and timely submission of my opt-out request on XX/XX/XXXX, LexisNexis continues to distribute my personally identifiable information to third parties without my consent. I respectfully request the CFPBs intervention to enforce federal privacy protections and halt these violations. 

Detailed Violations On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted LexisNexiss official opt-out form via their online portal and received

confirmation of receipt. Subsequent consumer reports and database extracts have repeatedly included my residential address, date of birth, and partial Social Security Number to prospective employers, landlords, and other data consumers.

Non-Compliance : LexisNexiss failure to implement my opt-out instruction constitutes a knowing and willful violation of the above federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Likewise these COLLECTIONS ACCOUNTS are also not mine. 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 


LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
LVNV FUNDING LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
XXXXI called Kia Finance at XXXX in approximately XXXX  to ask them why they charged me all of the interest on the loan when I paid it off approximately XXXX XXXX  XXXX  early. I was told that is how they do 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 2025-08-30 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: NM

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States
I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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