vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the following account appearing on my credit report. This is a Round 1 request for investigation under the Fair Credit Reporting Act ( FCRA ). The information being reported for this account is inaccurate. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that all information reported is complete, accurate, and fully verifiable. I am requesting a full reinvestigation under 15 U.S.C. 1681i, and verification of all information furnished by XXXX XXXX XXXX Account number XXXX Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), furnishers of information are required to provide written notice to the consumer when negative information is being reported, including a clear statement that the information may be disputed. I did not receive the required notice regarding this account or the negative information being furnished. If XXXX XXXX XXXX can not provide complete and verifiable documentation supporting the accuracy of this accountand evidence that proper notice was providedit must be corrected or deleted from my credit file as required by law. Please provide written confirmation of the results once your investigation is completed. Also, they are harassing me and trying to force me to settle, have called more than three times a day most times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
JPMorgan Chase Bank ( JPMCB ) is reporting a credit card account with a balance of {$42000.00} as negative on my credit reports. I have disputed this account multiple times due to inaccurate and incomplete reporting.

This is my third request for removal of this account. Despite my prior disputes, JPMCB has continued to report the account without providing sufficient documentation verifying the accuracy of the reported balance, payment history, or account status.

I have not received adequate validation or evidence demonstrating that the information being furnished to the credit reporting agencies is complete, accurate, and compliant with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Instead, the account continues to be reported without meaningful investigation or correction.

Due to JPMorgan Chase Banks failure to properly investigate and substantiate the information after repeated disputes, I am requesting CFPB assistance to resolve this matter and ensure compliance with federal credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MN

Complaint narrative:
In XXXX of XXXX  I was advised by a advisor at Nelnet to consolidate my loans to be eligible for loan forgiveness. They did not disclose that my loan would increase, which it did by over {$13000.00} and I never received any loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: FL

Complaint narrative:
I paid this account in XX/XX/year> and Klarna is still reporting I owe them {$27.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING is falsely reporting on my credit. I have never had any accounts with them. Per my research LVNV FUNDING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint as a consumer who is working to repair my credit and has identified inaccurate and inconsistent reporting on my TransUnion credit report. 

* * Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX * XXXX XXXX XXXX XXXX Account # XXXX ( appears more than once ) XXXX XXXX XXXX  Accounts # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( appears more than once ) Some of these accounts are duplicated or show different account numbers and balances for what appears to be the same debt. I am requesting TransUnion to verify the accuracy, ownership, and reporting status of each item. 

* * Inquiries in Dispute ( TransUnion ) : 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 I do not recall authorizing all of these inquiries and request verification of permissible purpose. 

I respectfully request that TransUnion investigate these disputes and correct or remove any information that can not be verified as accurate.

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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
Company Complained About : Eastern Account System, Inc. 
( Original Creditor : XXXX / XXXX ) Complaint Summary Eastern Account System, Inc. is attempting to collect and report a debt arising from a mobile service that was never activated, never provided, and never used. 
Despite receiving a formal written debt validation request under 15 U.S.C. 1692g ( b ), the company has failed to provide any proof of service activation, usage, signed agreement, or legal authority to collect, yet continues to report the account to credit bureaus. 

What Happened XXXX XXXXilled me for mobile service that never occurred at my former address I did not receive service, activation, or usage of any kind The account was improperly sent to collections Eastern Account System is reporting this unverified debt to consumer reporting agencies I formally disputed the debt and demanded validation The collection agency failed to validate but continues reporting, damaging my credit Why This Is a Violation FDCPA ( 15 U.S.C. 1692g ( b ) ) prohibits continued collection or reporting without validation FCRA ( 15 U.S.C. 1681s-2 ) prohibits furnishing inaccurate or unverifiable information Continued reporting without validation constitutes willful noncompliance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kashable LLC
State: MD

Complaint narrative:
Kashable continues to re-report misleading, incorrect information to all three credit bureaus, XXXX XXXX XXXX XXXX XXXX  after a XXXX XXXX  bankruptcy discharge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-16 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: PA

Complaint narrative:
I respectfully request a correction to remove the inaccurate late payment and reflect positive account standing.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IN

Complaint narrative:
Saturday XXXX I tried to pay for something and my card wouldn't work. I had to have my mom pay. I went to pay her back but it said I had to verify my identity. Took all the necessary steps and unfortunately it never let me do anything. I have contacted the customer support chat several times and received zero help. I have also called the support line and was referred to the chat option I've also been told I would get a call back from a supervisor that has never happened. I was pretty much told to create a new account but never how I would be able to access my funds on the original account. I called customer support again and was told that a supervisor would reach back out but they were not able to give me a time frame. I was told the case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am disputing the accuracy of an account that the creditor/lender is reporting. This account appears only on my XXXX  credit report, and it has been reporting this way for an extended period of time. It does not appear on my Equifax or XXXX  reports, which raises concerns about inconsistent or inaccurate reporting. 

XXXX  XXXX Bankruptcy # XXXX XXXX I requested that they investigate, verify the accuracy of the information, correct any inaccuracies, and provide written confirmation of their findings. I am filing this complaint because the information remains unverified or inconsistently reported, and I have not received proper resolution from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. 

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my Equifax credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX sent an email stating that there was no hold on their in as far as Wells Fargo putting a hold on it in order to acquire an overdraft fee. I have been depositing this check in Wells Fargo account for over five years so I am not understanding why they are holding it for 10 days which is an abuse of the banking system controlling the narrative to capitalize off their manipulation of the banking system.

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 2025-12-16 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: PA

Complaint narrative:
I respectfully request a correction to remove the inaccurate late payment and reflect positive account standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I'd like to thank Gurstel Law firm for their willingness to resolve this issue under CFPB complaint XXXX. From their responce arises a secondary complaint under this case number. 

In Gurstel 's response, they would have you belive that I had two debts with XXXX XXXX. Gurstel alleges that I resolved one of debts, but not the one they were seeking legal remedies for. It should be noted that from the receipt I received from Gurstel ' s website, only one debt was listed. If Gurstel 's allegations are alleged to be true, it would mean Gurstel pursued a judgment on a debt that I was not aware of, and was not given an opportunity to dispute the debt in the following ways : 1. Date account was open 2. Account ownership 3. Amount of debt 4. Whether or not the account held discharge status Prior to the judgment, I only received one demand letter which was on the debt I resolved. It's my belief that in Gurstel 's confusion, they neglected to afford me the right to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported XX/XX/XXXX to XX/XX/XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
am filing this complaint to request the immediate deletion of the following trade lines due to demonstrably false reporting, conflicting dates, and re-aging of old debt in violation of the FCRA and Metro 2 standards. 
XXXX. XXXX  XXXX ( Factual Inconsistency & Date Errors ) : The reporting for this account is factually impossible and unreliable. 
Contradictory Dates : The bureaus are reporting conflicting 'Date Closed ' information for the exact same account. One report lists the closure as XX/XX/XXXX, while another lists it as XX/XX/XXXX, and a third as XX/XX/XXXX. A single account can not have three different closure dates.

Contradictory Balance : The account is listed as 'Paid charge off ' ( implying a {$0.00} balance ) but simultaneously lists 'Amount Past Due : {$120.00} '. These statuses are mutually exclusive. 
Violation : This violates the FCRA requirement for maximum possible accuracy. The data is unverifiable and must be deleted. 
XXXX. XXXX XXXX XXXX XXXX ( Illegal Re-aging ) : Improper 'Zombie ' Reporting : This account is listed as 'Closed ' in XXXX, yet the creditor continues to report fresh 'Derogatory ' and 'Late ' statuses for every month in XXXX and XXXX. 
Violation : Reporting current delinquency on an account that was closed and charged off years ago is misleading and artificially suppresses my credit score. This constitutes illegal re-aging of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
am filing this complaint to request the immediate deletion of the following trade lines due to demonstrably false reporting, conflicting dates, and re-aging of old debt in violation of the FCRA and Metro 2 standards. 
XXXX. XXXX  XXXX ( Factual Inconsistency & Date Errors ) : The reporting for this account is factually impossible and unreliable. 
Contradictory Dates : The bureaus are reporting conflicting 'Date Closed ' information for the exact same account. One report lists the closure as XX/XX/XXXX, while another lists it as XX/XX/XXXX, and a third as XX/XX/XXXX. A single account can not have three different closure dates.

Contradictory Balance : The account is listed as 'Paid charge off ' ( implying a {$0.00} balance ) but simultaneously lists 'Amount Past Due : {$120.00} '. These statuses are mutually exclusive. 
Violation : This violates the FCRA requirement for maximum possible accuracy. The data is unverifiable and must be deleted. 
XXXX. XXXX XXXX XXXX XXXX ( Illegal Re-aging ) : Improper 'Zombie ' Reporting : This account is listed as 'Closed ' in XXXX, yet the creditor continues to report fresh 'Derogatory ' and 'Late ' statuses for every month in XXXX and XXXX. 
Violation : Reporting current delinquency on an account that was closed and charged off years ago is misleading and artificially suppresses my credit score. This constitutes illegal re-aging of the debt.

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