vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in XXXX XXXX XXXX XXXX XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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: GA

Complaint narrative:
XXXX XXXX is reporting inconsistent and inaccurate information across all three credit bureaus in violation of FCRA 602 and 607 ( b ). 

The XXXX XXXX auto loan on my credit report contains multiple inaccuracies and inconsistencies across TransUnion, Experian, and Equifax. 

Examples : Account Status : TU = Derogatory, XXXX  = Paid, XXXX  = Derogatory Payment Status : TU = Charge-off, XXXX  = Unknown, XXXX  = Charge-off Comments : Each bureau shows a different final status ( paid in full for less, paid charge-off, payment after charge-off ) Date Last Active : TU = XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of Last Payment : TU = blank, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : TU = {$14000.00}, XXXX XXXX {$14000.00}, XXXX XXXX  {$11000.00} These discrepancies violate the FCRAs requirement for maximum possible accuracy. 

I previously settled this account, and XXXX has failed to update or correct the information properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am disputing the accuracy and validity of a debt that Upstart XXXX claims is owed under the above account number. I received notice of an alleged balance ; however, Upstart has not provided any proper validation or supporting documentation proving that this debt is legitimate, accurate, or legally collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
CFPB DESCRIBE WHAT HAPPENED I am disputing Nelnets inaccurate reporting and failure to notify me about my Direct Consolidation Loan. I applied for consolidation only through XXXX on XX/XX/XXXX. XXXX shows the consolidation was not completed until XX/XX/XXXX, and XXXX lists the transfer date as XX/XX/XXXX, not XX/XX/XXXX. 

Nelnet claims they mailed me a notice dated XX/XX/XXXX and emailed me, but I never received either. My XXXX mail log shows no mail from Nelnet or XXXX, and XXXX forwarding for the previous homeowner was active at that time, so mail could have been forwarded to the wrong address. Nelnet also used an old email address instead of the primary email listed in my XXXX profile. 

Nelnet states they called me multiple times, but my XXXX phone logs, and my secondary contacts logs, show no calls, no missed calls, and no voicemails from Nelnet from XX/XX/XXXX to present. 

Most importantly, Nelnet provided documentation confirming my loan was in official deferment from XXXX. Under federal rules, a borrower can not be reported late or delinquent during deferment. All dates Nelnet reported as delinquent fall within this deferment period. 

I have always been responsible with all prior servicers and never missed payments. The negative reporting occurred solely because Nelnet used incorrect dates, failed to contact me, and reported me delinquent while I was in active deferment. I am requesting full removal of all negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
Statement Regarding Harassment from Security Finance I began receiving calls from Security Finance at my place of employment on XX/XX/year>. I spoke with a representative from the company on XX/XX/year>, during which I established a payment plan and explicitly requested that they refrain from contacting me at my place of employment. 

Despite my request, I continued to receive numerous calls, including : XX/XX/year>, at XXXX AM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM and XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM On XX/XX/year>, I again requested that they stop contacting me at my workplace. To my dismay, the representative laughed and hung up. I then received an additional call on XX/XX/year>, at XXXX PM. 

Following this harassment, I sent a cease-and-desist letter explicitly stating that I should not be contacted at my place of employment, listing both my work office number and work cell number for removal from their records. 

Despite this, I continued to receive calls at my place of employment on the following dates : XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX PM XX/XX/year>, at XXXX AM XX/XX/year>, at XXXX AM XX/XX/year>, at XXXX AM XX/XX/year>, at XXXX AM Each time, I reminded the representative of the cease-and-desist letter and requested that they stop contacting me at my workplace. On the most recent call, the representative claimed that my work number was listed as my home number, which I find absurd, as my voicemail clearly states that it is my workplace. 

This ongoing harassment has caused significant distress, and I respectfully request that Security Finance cease all further contact at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one is continuing to allow someone other than myself to use my checking account to pay their bills. I have disputed with my bank MULTIPLE times and capital one is STILL allowing this person to use my bank account FRAUDULENTLY to pay their credit card bills. Capital one has confirmed that these charges do not belong to me but have done NOTHING to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir I have sent a Complaint earlier also XXXX But this daily Hooking Multiple type of fee from me after paying those fee again ask fee from me but no uses only paying And paying for a single Transfer of my Fund This Transfer process I have sent totally {$100000.00} to XXXX XXXX XXXX XXXX XXXX paying fee again and again fee asking And paying only there is No any system of payment fee Rates for a wire Transfer? 
Also from 3 months I have written many Complaint Here this Bank of America has Responded and wait for 6 months? 
They are only Hooking money this is the Rules and regulations of America? 
Please check this matter and my precious Complaint Also and Take action against this Bank of America and I can recieve my Fund from them, Because lots of Suffered If in this in our country This Type of Bank will punish Millions of Dollars Penalty And Recover Customer Service Request Also But you are only sending my Complaint to them and they Responded and ask time for this? Until my death this Time extension going on But never recieve this Transfer A Bank chairman directly deals with me on this But only Hooking money from me Here is some attached Screenshot of his email and other documents attached Please check this matter and do Action against this Bank of America immediately Hope you will be doing this And update me Thanks

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I am submitting this complaint because a debt associated with the above account is being reported and/or collected without proper validation. I requested verification of this alleged debt, including documentation proving the accuracy of the balance, the origin of the account, and proof that the creditor or collector has the legal authority to collect it. To date, I have not received the required debt validation materials, including :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because a debt associated with the above account is being reported and/or collected without providing me with proper debt validation. I requested verification of this alleged debt, including documentation proving the accuracy of the amount, the origin of the account, and proof that the creditor or collector has the legal right to collect it. However, I have not received any of the required debt validation materials, such as :

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 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I have consolidated student loans with both XXXX and XXXX. I have gone through the IBR process but they are not calculating my payments according to the 20 % of my income guideline. They are both asking for 20 %. 40 % total.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a dispute about multiple personal address entries ( and one employer ) on my credit file that are incorrect or no longer apply to me. The Fair Credit Reporting Act requires consumer reports to be accurate and complete, and I have previously submitted documents proving these items are wrong. Despite that, the entries remain. 

Please remove the following addresses and employer immediately they are not current, are inaccurate, or have never been associated with me : Addresses to remove XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer to remove XXXX XXXX XXXX These incorrect entries risk damaging my credit record and could indicate identity or reporting problems. I previously provided supporting documentation ; therefore I request an explanation for why these items were not corrected after my earlier disputes and whether they will continue to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This complaint is about Synchrony Bank I got a loan to pay off my cc debt. I paid off 3 synchrony accounts in full between XXXX XXXX through XXXX XXXX cc paid in full, Care Credit cc paid in full, XXXX cc paid in full. The loan company in error sent 2 payments to each, one electronic payment one check payment, letter attached here. The Loan company had to return the checks as to NOT double pay. Synchrony saw this as a return checks from me that wasnt from me. I have never been late one time I always paid on time yet they canceled all my accounts stating I was dishonored for one or more returned checks. I was advised by synchrony to have the Loan company send a letter on their letter head stating it was their error not mine. Synchrony told me if they sent proof it was them and not me that they would reinstate my accounts. Synchrony did get the faxed letter from the laon company but said to me via phone call they were not going to reinstate my accounts even though it was not my error and that will also hurt my credit scores as they will report me as dishonored with returned payments. This is not fair to me as a consumer. I want my accounts reinstated and my credit bureau to be notified as well that I wasn't at fault. They told me on a recorded line that if i got proof sent to them that it was not my personal returned checks at fault that they would reinstate all my accounts if the loan company sent a letter on their letter head stating it was their error and they did it was faxed to Synchrony and Synchrony has the letter on file. Their management stated even though they got the letter showing it was not my fault that they will not reinstate my accounts. Thats all lies as they said they would reinstate after I went through the trouble of getting with the loan companies XXXX department to get it done in a very timely manner. Letter attached. Sincerely 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 2025-12-01 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:
This entry does not accurately portray my financial responsibility. Please update my records to ensure they are correct.

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 2025-12-01 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report. These accounts are listed as " Charged Off '' or have inaccurate reporting that needs to be corrected. Please review and investigate the discrepancies. 

DEPT OF EDUCATIONXXXX, XXXX, XX/XX/XXXX, {$5800.00} DEPT OF EDUCATIONXXXX XXXX XXXX, XX/XX/XXXX, {$6800.00} DEPT OF EDUCATION/XXXX, XXXX XXXX XX/XX/XXXX, {$2900.00} DEPT OF EDUCATION/XXXX, XXXX, XX/XX/XXXX XXXX {$11000.00} DEPT OF EDUCATION/XXXX, XXXX, XX/XX/XXXX, {$1100.00} DEPT OF EDUCATION/XXXX  XXXX, XX/XX/XXXX, {$3100.00} DEPT OF EDUCATION/XXXX  XXXX, XX/XX/XXXX, {$6800.00} DEPT OF EDUCATION/XXXX XXXX XXXX, XX/XX/XXXX, {$7200.00} DEPT OF EDUCATION/XXXX XXXX XXXX XX/XX/XXXX, {$6100.00} DEPT OF EDUCATION/XXXX, XXXX, XX/XX/XXXX XXXX {$12000.00} DEPT OF EDUCATION/XXXX, XXXX, XX/XX/XXXX, {$9300.00} DEPT  OF EDUCATION/XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$170.00} XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX BANK, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. XXXX ( U.S. 2024 ) held no entity is immune from FCRA liability ; and XXXX v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XX/XX/year> XXXX XXXX XXXX To whom it may concern : I am writing to formally document the situation regarding the vehicle financed under my name, with the following information : Account Number : XXXX Vehicle VIN : XXXX For approximately XXXX months, I repeatedly contacted XXXX XXXX XXXX to request that the vehicle be picked up, as I would be returning to my home country and could no longer continue making the required payments. From the beginning, I clearly expressed my intention to complete a voluntary surrender, expecting proper instructions from your team. However, I never received any response, follow-up, or communication of any kind. 

The vehicle remained parked in the location I indicated for those XXXX months, waiting to be retrieved. I recently learned that a company picked it up, but when I contacted your office again to confirm whether you had ordered the pickup, I was informed that you had not. Due to the lack of instructions and the complete absence of communication from XXXX XXXX XXXX, I do not know who removed the vehicle. 

I want to make it clear that I fulfilled my responsibility by repeatedly notifying your office and requesting the proper process for a voluntary return, yet I never received any response. Therefore, I can not assume any responsibility for what happened to the vehicle, as I acted in good faith and followed every possible step to return it properly. 

As of the date of this letter, I still have not received any official communication from your office, which further confirms the lack of follow-up on this matter. With this letter, I formally state that my intention was always to voluntarily return the vehicle, and any situation that occurred after my repeated attempts to contact you can not be attributed to me. 

I respectfully request that this communication be officially recorded in my file and that I receive a written clarification from your office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-01 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

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