vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I reviewed my credit reports and identified inaccurate, incomplete, and misleading information being reported by multiple furnishers and credit reporting agencies. Specifically, there is a collection account reported by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX showing a balance of approximately {$1100.00} that I do not recognize or believe is being accurately reported. This account is being reported as past due and in collections despite a lack of proper validation and inconsistent reporting across credit bureaus. 

Additionally, there are accounts related to XXXX  XXXX bankruptcy that were satisfied and discharged over XXXX years ago, yet they continue to be reported with derogatory payment histories and incorrect statuses. These accounts should no longer be negatively impacting my credit file, but they remain inaccurately reported, particularly with XXXX. 

I have disputed these inaccuracies directly with the credit reporting agencies ; however, the incorrect information continues to be verified without proper investigation. The continued reporting of outdated, inaccurate, and unverified information is causing ongoing harm, including lowering my credit scores, limiting my access to credit, and creating financial hardship. 

I am requesting that the companies involved conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Finance LLC
State: IN

Complaint narrative:
I reviewed my credit reports and identified inaccurate, incomplete, and misleading information being reported by multiple furnishers and credit reporting agencies. Specifically, there is a collection account reported by XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, showing a balance of approximately {$1100.00} that I do not recognize or believe is being accurately reported. This account is being reported as past due and in collections despite a lack of proper validation and inconsistent reporting across credit bureaus. 

Additionally, there are accounts related to XXXX XXXX XXXX that were satisfied and XXXX over XXXX years ago, yet they continue to be reported with derogatory payment histories and incorrect statuses. These accounts should no longer be negatively impacting my credit file, but they remain inaccurately reported, particularly with XXXX. 

I have disputed these inaccuracies directly with the credit reporting agencies ; however, the incorrect information continues to be verified without proper investigation. The continued reporting of outdated, inaccurate, and unverified information is causing ongoing harm, including lowering my credit scores, limiting my access to credit, and creating financial hardship. 

I am requesting that the companies involved conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I'd like to report Chime Financial Inc. based in XXXX XXXX b/c the company denies many legitimate dispute claims, doesn't provide documentation that shows why dispute was denied & seems to approve cases only when consumers report Chime to news stations. I filed three disputes w/ Chime regarding a refundable charge that wasn't refunded by scam company, XXXX XXXX XXXX has refused to refund the {$100.00} deposit I made on XX/XX/year> for a one night hostel stay. XXXX falsely accused me of damaging the hostel room even though I provided photo proof that I didn't. I provided Chime dispute with the text from XXXX XXXX apologizing for the poor state of the room, text informing me in XXXX that I would be refunded within 2-7 business days, text in XXXX claiming I damaged the room & email to XXXX with photos proving I didn't damage the room. Despite this, Chime denied my dispute, stated there was no error even though the deposit is refundable & failed to provide documentation as to why my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I reviewed my credit reports and identified inaccurate, incomplete, and misleading information being reported by multiple furnishers and credit reporting agencies. Specifically, there is a collection account reported by Portfolio Recovery Associates, originally from XXXX XXXX XXXX XXXX, showing a balance of approximately {$1100.00} that I do not recognize or believe is being accurately reported. This account is being reported as past due and in collections despite a lack of proper validation and inconsistent reporting across credit bureaus. 

Additionally, there are accounts related to XXXX XXXX XXXX that were satisfied and XXXX over XXXX years ago, yet they continue to be reported with derogatory payment histories and incorrect statuses. These accounts should no longer be negatively impacting my credit file, but they remain inaccurately reported, particularly with XXXX. 

I have disputed these inaccuracies directly with the credit reporting agencies ; however, the incorrect information continues to be verified without proper investigation. The continued reporting of outdated, inaccurate, and unverified information is causing ongoing harm, including lowering my credit scores, limiting my access to credit, and creating financial hardship. 

I am requesting that the companies involved conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and either correct or delete the inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are fraud charges and collections from XXXX XXXX XXXX on my credit report. They illegally reported me to collections for {$21000.00} and destroyed my credit history. This is not my debt. I don't have any rental lease with XXXX XXXX XXXX. They have no legal right to do this. XXXX XXXX XXXX committed illegal and fraudulent activity. I submitted a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-12-21 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: AL

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 explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited almost XXXX dollars in wells fargo atm it jammed and I filed a claim and they were only willing to admit the atm was XXXX $ over at first it was just XXXX. The atm was a wells fargo atm on XXXX XXXX in XXXX georgia

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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
United Collection Bureau , Inc. ( UCB ) contacted me regarding an alleged XXXX XXXX XXXX account originally issued by XXXX XXXX XXXX XXXX 
This CFPB complaint constitutes formal notice and a request for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute the alleged debt in its entirety. 
UCB has failed to provide meaningful validation of the alleged debt, including documentation establishing its authority to collect, identification of the current owner of the debt, a complete account history from the original creditor, and a copy of any agreement bearing my signature. 
Despite the absence of validation, UCB has issued settlement offers and payment demands, overshadowing my right to dispute and request verification. The correspondence further directs payment to be made payable to XXXX XXXX XXXX XXXX without clearly disclosing UCBs legal relationship to the account, which is misleading. 
Pending proper validation, UCB must cease all collection activity in accordance with 15 U.S.C. 1692g ( b ). Any continued collection activity without validation will constitute a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

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 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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) involving inaccurate, incomplete, and unverifiable information appearing on my credit reports. Despite disputes submitted to all three credit bureaus, they failed to conduct a reasonable reinvestigation, failed to correct or delete inaccurate items, and continued reporting information that they know or should know is incorrect. 

1. Inaccurate information reported on my credit reports ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ) All bureaus continue to report incorrect balances, incorrect statuses, wrong dates, and inconsistent information across the same tradelines. 
2. Failure to investigate disputes properly ( FCRA 611 ) My disputes were not handled using a reasonable reinvestigation process. Responses were generic and contradicted the account data in the reports. 
XXXX. Reporting incomplete and unverifiable information ( FCRA 611 ( a ) ( 1 ) ( A ) ) The bureaus continued reporting accounts even though the furnishers failed to provide complete, verifiable data after dispute.

4. Duplicate tradelines being reported Some accountsparticularly those from XXXX XXXX XXXX XXXX XXXX XXXX being reported twice, which is deceptive, punitive, and violates FCRA accuracy standards. 
5. Incorrect payment history reporting Many tradelines show impossible payment sequences, such as payments after charge-off, inconsistent late codes, or payment histories that contradict balances. 
8. Improper Charge-Off reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) Charge-off dates, balances, and account statuses shift inconsistently from month to month. Some accounts show CO and still show new balances.

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 2025-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting related to my federal student loans serviced by Nelnet ( Department of Education ). 

During the federal student loan repayment restart in early XXXX, my loans were incorrectly reported as late for XXXX through XX/XX/XXXX. Once I became aware that repayment had resumed, I immediately brought my account current and enrolled in auto-debit. My account has remained current and in good standing since. 

I disputed the inaccurate late payment reporting with XXXX, XXXX, and XXXX. XXXX  confirmed that Nelnet agreed the reporting was incorrect ; however, XXXX  stated that Nelnet failed to properly transmit the correction file. Only XXXX loan account was partially corrected, while other Nelnet accounts remain inaccurately reported as derogatory. 

XXXX  has since opened additional reinvestigations to correct all Nelnet accounts and advised the process may take until XX/XX/XXXX. XXXX  has stated the account was not corrected despite documentation and disputes. 

I am requesting CFPB assistance to ensure Nelnet complies with its obligations under the Fair Credit Reporting Act by transmitting accurate and complete corrections to all credit bureaus and removing the incorrect late payment reporting for XXXX XXXX. 

These errors are materially harming my credit profile during an active mortgage qualification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Block, Inc.
State: MI

Complaint narrative:
I got back taxes the year of 2023 and my cash app had some unrecognized transactions that were pending like XXXX and XXXX from XXXX in XXXX XXXX California on XX/XX/year> and I had to wait till they cleared or void before I could dispute them well XXXX days later they were gone but a fresh charge of XXXX from same XXXX processed! So I disputed it as I should, and they denied me! So I did it agian and agian and still no luck! I have called and called but thatnmynmoneyni never spent a dollar of that XXXX and would live by money back please if I can help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: TX

Complaint narrative:
I formally requested a debt validation letter from the collector in writing. Despite multiple disputes and requests, the collector has failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, they have continued reporting and/or attempting to collect the debt without verifying its accuracy. I am requesting that this matter be investigated or deleted off my credit due to no response from collator after multiple request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I paid my Syncrony Care credit account on XX/XX/year> before the due date on the XXXX, and was charged a late fee after that. My account sent me email saying I'm past due 5 days now so I paid again today on XX/XX/year> and my balance still hasn't changed after like 2 or 3 payments? Balance has been the same down to the cent on my end and it still says I owe on the XXXX? I need to be credited back the late fee and my account assessed to account for all my payments and make sure it's correct. The interest is also unusually high and I've made like 4 payments and my balance isn't getting any lower? I know there's interest, but if I'm making minimum payment it should go down and it stays the same to the dollar pretty much?

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