vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I received an email stating this debt collection agency has been granted a garnishment against me and has been coming out of my check as of XX/XX/2025. They claim I owe them {$100000.00} which I have never purchased anything worth that much. I never received any letters, phone calls, text messages or emails from this company about any debt owed to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CT

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 2025-10-19 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: TX

Complaint narrative:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be blocked to correct my credit report. 
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

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 2025-10-19 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:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be blocked to correct my credit report. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am filing this formal complaint against Nelnet for their persistent, willful failure to conduct a reasonable investigation into XXXX fraudulent student loan accounts and their violation of the Fair Credit Reporting Act ( FCRA ). This is not an isolated error but a documented pattern of non-compliance, as evidenced by their responses to my previous CFPB complaints ( References : XXXX, XXXX, XXXX ). 

The core of my dispute is simple and has remained consistent : I never signed a Master Promissory Note ( MPN ) for these loans, and therefore, no valid, enforceable contract exists between me and the Department of Education. 

Despite this, Nelnet continues to report these accounts. The only activity on these accounts consists of payments made by a third party ( my ex-wife ) without my knowledge or authorization. These unauthorized payments do not constitute my acknowledgment of this debt. 

Nelnet 's Systemic Failure to Investigate : In response to my previous complaints, Nelnet has consistently provided boilerplate, non-responsive replies that completely ignore the specific legal issues I have raised. 

Their most recent response, dated XX/XX/year>, is a perfect example of this bad faith. In that letter ( attached ), they acknowledged my submission of an FTC Identity Theft Report and my allegations of FCRA violations. However, their " resolution '' was to provide a generic link to a government website, telling me to " report identity theft. '' This is a blatant failure of their legal obligations as a data furnisher. They did not : XXXX. Address the Demand for Validation : They have repeatedly ignored my demand to produce the signed XX/XX/XXXXthat are required to prove the existence of a debt. 
XXXX. Investigate the Specific Claim : They have completely disregarded my explanation that all payments were made by an unauthorized third party, which severs the link between the payment history and any admission of debt on my part. 
XXXX. Act on Evidence Provided : They treated my FTC Identity Theft Report as if it had not been submitted, requesting I take an action I had already completed. 

This pattern demonstrates that Nelnet 's " investigations '' are a sham. They verify a name and Social Security number, but they refuse to investigate the underlying validity of the contract when specifically challenged. This violates the FCRA 's requirement that furnishers conduct a " reasonable investigation '' upon receiving a direct dispute from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute and request immediate correction of an error that appears on my credit report related to my JP Morgan Chase Auto lease account. 

According to my records, the vehicle lease was returned to the dealer " XXXX XXXX '' at the end of the lease term, and I have written confirmation of the successful return ( attached info ). At the time of the return, no payment or balance was due. Despite this, I just noticed, the account has been reported to the credit bureaus with an unpaid balance of {$5200.00}, and it has been subsequently charged off. 
This is both incorrect and unjustified for the following reasons : 1. I have no knowledge of any outstanding balance or charges related to this lease.

2. I have not received any mail, phone call, email, or other communication from JP Morgan Chase Auto informing me of a past-due amount.

3. This alleged balance has been reported to my personal credit, causing significant harm to my credit score and reputation.

I request that JP Morgan Chase Auto immediately investigate this matter, provide a detailed explanation and documentation of the alleged balance, and update all credit bureaus to remove the incorrect charge-off entry from my credit report. If there is in fact a balance, provide me with all details for my review via email at XXXX. In the meantime, I demand that all 3 credit bureaus get updated to reflect " no unpaid balance '' or " charge off '' until I receive these documents, have time to review and contact the lender to further discuss. The document must also contain a payment due date in the future. 

Please provide a written response regarding the steps being taken to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a Chapter XXXX discharge on XX/XX/XXXX and my case was finally closed on XX/XX/XXXX. After that, mortgage-servicing activity on my home at XXXX XXXX, XXXX, CA ( XXXX XXXX ) continued as if the discharge/closure did not exist. Different entities and law firms ( including XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX as trustee, and XXXX XXXX ) used XXXX parallel account numbers/suffixes ( XXXX and XXXX ), filed/served conflicting documents, and recorded new assignments in XXXX. Several mailings arrived late or were returned undeliverable, while a number of monthly mortgage statements for XXXX XXXX were not provided. In XX/XX/XXXX, my insurer issued a {$2100.00} refund but the servicer simultaneously sent a force-placed insurance letter, and I can not find where the refund was credited. On XX/XX/XXXX, a related adversary case was dismissed with prejudice, yet on XX/XX/XXXX a judgment was still entered in that cases docket. Throughout XXXX, I made payments and provided proof, but account histories and forms ( including duplicate XXXX reporting ) do not match. These actions have created ongoing collection, escrow, credit, and title problems despite my earlier bankruptcy discharge and case closure.After the discharge and closure, the mortgage servicer and affiliated law firms continued to treat my account as active. They sent billing statements, recorded new instruments, and reported to credit agencies as if the debt remained enforceable. I also received inconsistent escrow analyses, force-placed insurance notices, and duplicate IRS Form XXXX reflecting different account suffixes. Several court filings were made in XXXX using both XXXX XXXX and XXXX XXXX, creating confusion in public records and violating the federal bankruptcy discharge order. I have documentation, including bankruptcy court dockets, certificates of notice, payment proofs, and correspondence from insurers, showing that these actions occurred long after the federal courts closure. I am requesting that the CFPB review these servicing, reporting, and mail-timing practices for compliance with federal consumer-protection and mortgage-servicing regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: One Source Technology
State: TX

Complaint narrative:
I am filing this complaint regarding false and unverifiable information placed on my consumer report by One Source Technology, XXXX XXXX XXXX. The company has reported eviction and criminal records that are inaccurate, unverifiable, and damaging. 
This conduct violates : XXXX U.S.C. XXXX ( FCRA ) for willfully failing to ensure the accuracy of consumer information ; XXXX U.S.C. XXXX ( FDCPA ) for continuing communication after a written cease and desist. 
despite my previous disputes this account remains non my credit file without verification or validation I demand a full deletion of this eviction and XXXX entry and full investigation into the furnishers reporting practices. This account is damaging my ability to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX Bank XXXX XXXX and TransUnion for inaccurate and misleading credit reporting. 

As of my TransUnion report dated XX/XX/year>2025, the XXXX XXXX Bank account shows a {$0.00} balance but is still coded Collection/Charge-off and Late. A {$0.00} balance can not be past-due or charged-off. 

This is a clear furnishing error under FCRA XXXX ( a ) ( XXXX ) ( A ) and TransUnions display of that contradictory data after prior disputes violates XXXX ( a ) ( XXXX ) ( B ). 

I am requesting that the CFPB compel both entities to correct the record to Closed Paid/Settled {$0.00} Balance or delete the tradeline entirely. 

I have already exhausted the standard dispute process with TransUnion and will be seeking legal counsel for damages under the FCRA if the inaccuracy continues.

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 2025-10-19 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: NV

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 XXXX 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 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 2025-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK of AMERICA denied a FRAUDULENT Charge on my BOA credit card. They stated it was denied due to their investigation the information came from my phone or tablet. 
IMPOSIBLE unless someone hacked my phone. 
I DO NOT HAVE a Tablet. 
I went to the Bank Branch closest to me ASAP to deny the charge. I sat with a Bank Rep. who assured me they blocked the charge. It came back to me that it was denied in a letter from the BANK of America. 
This charge was on XX/XX/year>. 
XXXX separate charges : XXXX XXXX XXXX  for {$7300.00} and XXXX XXXX {$350.00}. 
The letter also stated it was time sensitive, of processing now may be too late. 
Ridiculous! 
The letter was dated XX/XX/year>. 
I am in the process of writing more letters and going to file a Police report. Please let me know what other steps to take to get my money back!

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 monetary relief
Consumer complaint received 2025-10-19 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:
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 2025-10-19 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: NY

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 2025-10-19 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: MO

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The inclusion of this account has caused severe anxiety and disturbed my rest. All supporting evidence is attached for your review and prompt action.

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 2025-10-19 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: CT

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report shows an account with XXXX XXXX ( account ending in XXXX ) that is reported incorrectly on my credit reports from Experian, Equifax, and TransUnion. The account appears as active/open or shows late payments that are not accurate. 

I previously submitted written disputes to XXXXXXXX XXXX  and to the credit bureaus on [ insert date you sent your letters ], explaining that the account information is incorrect. I also included supporting documents such as payment receipts, bank statements, and copies of correspondence. 

Despite my disputes, the account still appears incorrectly on my credit reports, and neither the company nor the bureaus have provided any valid proof to support the reported information. 

I am requesting that XXXXXXXX XXXX  and the credit bureaus investigate and correct the account information or remove the account from my credit reports if it can not be verified.

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 2025-10-19 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: AR

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 2025-10-19 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: CA

Complaint narrative:
I previously filed CFPB complaint XXXX against Experian on XX/XX/2025, concerning inaccurate and unverified information being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Experian confirmed receipt of my dispute in XXXX, which began the 30-day reinvestigation period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite this, Experian failed to complete the reinvestigation within the required timeframe. 

Instead, on XX/XX/2025, Experian sent an email stating Your disputes are now open and that it may take up to 30 days to process. This communication demonstrates that Experian has improperly reopened the same dispute in an attempt to reset the investigation clock, rather than resolve it as required by law. 

Experian is now more than 60 days past the original filing and is still reporting inaccurate tradelines. This delay tactic violates the FCRAs timeliness provisions and has caused continued harm to my credit profile.

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 2025-10-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
We were issued a {$500.00} American Express gift card by a timeshare due to issues we encountered. 

When attempting to use the card to make an online payment, it declined. It is a XXXX company, within the guidelines of their policies. I then called the company to have them manually attempt to process the payment. It declined again. 

Speaking with American Express representatives, they told me " all information was not provided '' so it declined, but I, and the business, ensured it was when we attempted to use it. 

I then requested a refund of the funds in XXXX. American Express stated they would issue a check, to allow a few weeks, and I gave them my address and information, receiving a case number as well. 

I spoke with them today after not getting anything or hearing back from them. I was informed that they closed my case because it was " missing a card number '' and that I had been charged monthly fees in XXXX and XXXX. They then stated they can issue a refund, for {$490.00} because the monthly fees reduced the total amount. 
I confirmed that they never informed me that the original refund was denied, and had not contacted me with that information. 

They now are claiming they are unable to issue for the full amount because the fees were already taken out.

Company response to consumer: Closed with monetary relief