vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Issue : False Student Loan Balance Reported Across All Three Credit Bureaus Details : On XX/XX/year>, an error was made that inflated my federal student loan balance by more than {$4.00} XXXX. 
On XX/XX/year>, I logged into XXXX, my loan servicing portal, and all three credit bureaus ( XXXX, XXXX, and XXXX  ) and confirmed that my loan balance was being reported at approximately {$4.00} XXXX. 
My true balance, prior to this error, was about {$76000.00}. 
On XX/XX/year>, Nelnet issued a letter acknowledging that my correct balance is {$66000.00} ( with {$60000.00} principal and {$6200.00} interest ). 
Despite this acknowledgment, all three credit bureaus continue to report the false {$4.00} XXXX balance, damaging my credit and financial reputation. 

This inaccurate reporting has caused : Severe emotional distress. 
Risk to my financial plans ( including opening a group home ). 
Ongoing harm to my credit standing, despite Nelnet confirming the error. 

Requested Resolution : XXXX. Require Nelnet to immediately re-certify my correct loan balance ( {$66000.00} ) to XXXX, XXXX, and XXXX. 
XXXX. Require the credit bureaus to promptly correct my credit file and confirm the correction in writing. 
XXXX. Ensure my credit file is rescored so that the false $ XXXX balance no longer impacts my creditworthiness. 
XXXX. Provide compensation for the damages caused, including emotional distress, loss of time, and financial harm resulting from this error. 

Attachments Available : Nelnet letter dated XX/XX/year>, confirming correct balance. 
Screenshots of XXXX showing inflated balance. 
Screenshots of XXXX, XXXX, and XXXX  reports showing $ XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XX/XX/year> -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$20000.00}

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: FL

Complaint narrative:
I purchased this vehicle in XXXX  from drivetime. A company i later found out buys cars at auction and sells them as is with a robust extended waranty up to XXXX miles. The first year i had the vehicle i only.had a slight brske issue but it was fixed. Then six months later, more problems startes to arrize and now the car is slowly falling apart and im paying 19 % interest on 72 month loan from thr financing company bridgecrest financial. They raised my montly payment to XXXX up from XXXX i was paying every 2 weeks. Or XXXX a month for a used 10 year old car. I fell behind a bit and did help me.in the beginning but now i cant shake the high monthly payment and im drowning in daily interest. Thr interest rate aalone should.be criminal and reconsolidate thenloan until its either a repossession or total.lost in an accident. They took advantage of.my bad credit and they were thr only dealer that would finance me a car and doesnt seem.fair thay report from 15 years aho are still haunting my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX  review account number- ( XXXX ) i do not know what this is nor received XXXX ability to dispute. I would need to see certified mail with my correct personal info or this needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am having an issue with a bureau about XXXX of my accounts. It is a credit card account by the name Sparrow Rewards XXXX. I paid off the balance of the account in early XXXX. XXXX XXXX XXXX  have updated the account to show accurate information but Equifax will not. I have called the creditor and was told that they have reported the updated balance and its up to the bureaus to update the file. I called Equifax and they said I would have to file a dispute but that shouldn't have even been necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I sent a letter asking for verification of a debt that is being reported to all three credit bureaus. The company received the letter and sent a response, however, the response did not include any validating information. Instead, they asked me for my social security number and " more details about the account ''. I do not have additional details about this account, which is why I submitted the letter requesting a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NC

Complaint narrative:
There are late payments on this account XXXX  account ( Account XXXX. XXXX, XXXX, XXXX, XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
The late payment being reported for XX/XX/year> is inaccurate and should not appear on my credit report. I have written confirmation from my servicer, Select Portfolio Servicing ( SPS ), dated XX/XX/year>, in which their Ombudsman Department approved suppression of the negative reporting for that month. Their letter clearly states that there would be no negative or positive reporting for XX/XX/year> and that I may use the letter as evidence until the credit bureaus update. Despite this, the late payment continues to appear. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), as the furnisher has already acknowledged the reporting was inaccurate. Please correct this error immediately by removing the XX/XX/year> late payment from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported under my credit profile. These accounts were not opened, authorized, or managed by me, and their inclusion is entirely false. Their presence damages my financial credibility, misrepresents my payment history, and creates an inaccurate portrayal of my overall creditworthiness.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I used the cashapp borrow feature on Wednesday XX/XX/year> for 2 separate transactions. XXXX for {$100.00} and the next for {$100.00}. I never received the funds to my balance, but it is shown up that I owe the money for the loan. The 1st young lady i spoke with on the phone, informed me that she could see that I was correct and I didn't receive the money, and opened a case and the person that emailed me on this case pretty much called me a liar. I asked them to review my balances on my account and my withdrawals, they refused. They said I owe the money and that was that. I even provided my bank account transactions to prove that I never received the money. I was told by every person who I spoke with that it is what it is, and they refused to listen to me. If they simply check my transactions and all info provided to them, they will see that I never received the money. So the money it is saying I owe is essentially fraudulent and they're literally stealing money from me. I am due to start paying back this loan on Friday the XXXX. I have been using cashapp borrow for awhile now and I have paid everything back that I have borrowed every week. I refuse to pay back money that I did not receive. This has caused me so much XXXX  and stress. I need some help please. I can only load screenshot at a time, so i will send it all when I hear back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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: UT

Complaint narrative:
I am disputing inaccurate reporting of two authorized user accounts from XXXX ( XXXX XXXX ) on my XXXX, Experian and XXXX credit report. 

Account 1 : Authorized user account from my stepfathers ( XXXX XXXX XXXX ) XXXX card. The account is reporting but the credit limit is missing and the open date is inaccurate. This prevents it from being factored into my utilization and credit age. The account was originally opened in XXXX, XXXX with a limit of {$29000.00}. 

Account XXXX : Authorized user account from my mothers ( XXXX XXXX ) XXXX card. This account is also reporting incorrectly, with the credit limit missing and the open date not showing the true history. It was originally opened in XXXX, XXXX with a limit of {$17000.00} I requested corrections from XXXX but no changes have been made. I am requesting that both accounts be updated to reflect the correct credit limits and original open dates.

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 2025-09-23 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Subject LVNV Funding- Improper Collection Reporting I dispute the LVNV funding collection ( ). LVNV is reporting balances and dates inconsistently across bureaus, violating FCRC 607 ( b ). No documentation providing assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-22 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for billing errors, unauthorized charges, and false credit reporting. 

I stopped autopay on my account ( ending in XXXX XXXXXXXX ), but XXXX XXXX XXXX continued attempting to charge a bank account that was already closed. As a result, the payments failed not because of my error, but because they ignored my autopay cancellation. 

I was making manual payments using a card. Despite that, they kept applying late fees and additional charges caused by their own system. I was forced to pay {$720.00} ( on XX/XX/year> ) even though my actual payment should have been {$510.00}. I attached a screenshot of that payment. 

When I called support, the first agent hung up on me after saying he would fix it. The second agent said they could only refund {$50.00}. When I finally reached a manager, he refused to remove the fees even though they admitted that XXXX XXXX caused the autopay error. 

Additionally, about a year ago, they falsely reported me as delinquent to the credit bureaus even though I had made the payment on time. After I escalated it, they admitted it was their mistake, but no compensation or full correction was ever made. This negatively impacted my credit score. 

This is a violation of both the Fair Credit Billing Act and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I have XXXX creditors that I have tried to dispute but I have never paid my creditors late. I have been in contact with the below creditors but have not been able to resolve this erroneous reporting, thus affecting my credit score and now I can not purchase a property because of this reporting appearing on my credit report.

I would like your assistance resolving this issue as I have been a victim of erroneous credit reporting and would like to be protected under 15 U.S.C. code section 1681 for my rights as a consumer. 

The creditor in question are as follows : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Late Reporting : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX, Late Reporting : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Late payment during pandemic my acct was not credited in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation