vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, the student loan servicing company received a certified mail request from me. This request included a formal demand for : A copy of the original promissory note Documentation showing all transfers or assignments of the loan A full record of payments and transaction history for the account As of XX/XX/year>, I have not received any acknowledgment or response from the company. This delay is concerning given the nature of the request and the time-sensitive need for these documents to validate the legitimacy and servicing history of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I recently checked my private student loan account on the Sofi App. My Federal Student Loan is being displayed under my private account as part of my debt. Its being communicated the amount of interest I am accruing and recommended that I refinance and consolidate my loan under Sofis private account. I have never agreed to release this information to my private loan account and know that this has violated my federal loan guidelines I signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am filing this complaint due to several unauthorized credit inquiries that continue to appear on my TransUnion credit report. These inquiries were previously disputed directly with the credit bureaus. I specifically requested verification documents or proof that I granted permission for these entities to access my credit file, but no documentation has been provided to date. Despite my formal disputes, the credit bureaus failed to conduct a proper investigation or remove the inquiries. The specific unauthorized inquiries I am disputing are clearly listed in the attached letter included with this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I am escalating this issue to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking fair resolution and proper enforcement.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
I a fraud victim and I had no idea someone tole my personal information such as social security number and date of birth and used illegally to open up a mortgage in my name without my consent. My social security number is a pert of both Experian and Equifax data breach and also on the Black Web page. I am writing this complaint against Experian Credit Bureau, Equifax Credit Bureau and Transunion Credit Bureau and due to all three companies has refused to remove this fraudulent account from my personal credit file which is damaging my credit. I provided a FTC Report Number XXXX stating that my personal information has been stolen and used fraudulently and that my social security number is being used illegally off the Black Web thru Equifax and Experian XXXX XXXX XXXX FOR {$5600.00} is not mine. I completed this report immediately when I seen it via email on my credit file. All 3 credit bureaus have been provided a copy of my FTC Identity Theft Report along with my Personal Information Proving who I am and per FCRA Section 605b refuse to delete this account and I totally feel this is discrimination. Please assist me in having this fraudulent account remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
DATE OPENED : XX/XX/year> CREDIT LIMIT : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

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 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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
There was a transaction in the amount of {$300.00} that was taken out of my checking account using Cash app. The money was successfully taken out of my account and transferred somewhere else. I did not authorize this transaction when I notified cash app in regards to this they did not investigate this thoroughly. They made it as termination of claiming deny within less than 12 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SCS Credit Corporation
State: IN

Complaint narrative:
I was trying to buy a house and get a loan and there were damages on my report causing me to get denied and causing deformation to my character According to law 15 U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Ability Recovery Services, LLC
State: IN

Complaint narrative:
I was trying to buy a house and get a loan and there were damages on my report causing me to get denied and causing deformation to my character According to law 15 U.S.C 1681.

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 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I financed a new home with PennyMac and successfully made monthly automated for several months then accepted their offer to refinance the loan at a lower rate. When checking the website to assure that my autopay was still in place, I discovered that the company had eliminated the information. I went to the page on the website and clicked the tab for 'autopay ' and was unable to get the website to allow me to enter my banking information. I called customer service where a representative ( XXXX ) told me that although the website indicates this, the only way to add banking information is via the 'one time payment ' button and then accessing unmarked prompts. I found the place to enter this as directed and ended the call. After entering the information, I hit 'continue ' and was informed that I had just made a same-day one-time payment that was now in 'pending ' status. There was no preprompt notifying me that I was doing this and XXXX never indicated this would happen. I immediately phoned back and spoke with XXXX who never offered to simply stop the payment. I explained that it would require a savings withdrawal to cover the payment for XXXX in XXXX and he suggested 1 ) that I put a stop payment on the payment ( an action for which my bank charges XXXX XXXX ), 2 ) allow it to bounce ( I have never bounced a payment with my bank in 25 years and never bounced a mortgage payment in 30+ years ), 3 ) cover it with savings ( losing my interest for the month ). I asked for a number for a corporate supervisor and he refused to provide one so I rang off. I found a slightly better number online and spoke with XXXX briefly who suggested that on or around the same day I would normally make the mortgage payment ( XX/XX/XXXX ) they could refund the payment to me so that I could give it back to them on or around the same day. I asked for a manager or supervisor and was provided with XXXX, a team lead. I explained that I had transferred funds to cover the erroneous payment from my savings and had lost approximately 3 hours of my time to this fiasco. I asked what compensation would be provided for my lost time, my lost savings interest, my aggravation and poor customer experience. He hung up without responding. I called back and was transferred to him once more. On the recorded line he confirmed that they would do none of that but would be providing 'love coaching ' to the employees involved. I asked him to confirm, once more, that I was asking him for contact information for any corporate entity that might provide me with satisfaction in this manner and that he was refusing to do so. He attempted to elude a response and asked instead if I was recording the conversation. He did not provide me with the appropriate contact information for any senior personnel and I rang off after informing him that I would be contacting your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear CFPB, /NRA Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of 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
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
I was contacted by what I thought was chime customer service several times the phone number came up on my phone several times as chimes customer support phone number.I can only guess they used a spoofing app to do so. I received transactions by text notifications from chime saying that there was someone trying to charge transactions at different places. I was called by what I thought was a representative and walked through the app to move the money to a different account number that they were moving my account to. I was told I had to move the money to that account number to keep it safe until we could change the account and routing numbers when my direct deposits would come in in the next few days. I later found out that that Chime is saying it wasn't there fraud department calling. And my money was sent somewhere else. I disputed the transaction and within 24 hours they closed it as a non error. The bank of chime also allowed these scammers to call in and close my credit builder account and my checking account. I was able to get them to open my checking account back up. But they are refusing to give me my credit builder back therefore injuring my credit score due to closing a card that I did not. I was not the only one that was tricked by the scammers chime was as well. But I'm the only one that's lost XXXX and my credit builder credit card. I have also explained to this bank over and over that these people have the last four of my social and then I need to put a secret password or question on my account or something to secure my account that these people would not know and the bank will not help me. So the fraudsters can call anytime claiming to be me again giving the last four of my social security number and chime would do whatever they asked them to do with my account. I'm at a loss of what to do. There were also several transactions tried on one of my debit cards that were the scammers as well that chime never picked up as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
T

his 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXXXXXX  credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief