vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
I am disputing an inaccurate collection account being reported on my credit file. The account is : XXXX XXXX, XXXX. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} Reported Open Date : XX/XX/year> This information is inaccurate, unverified, and incomplete for the following reasons : I was never provided a signed lease, contract, or proof of responsibility for this amount. 

No itemized bill, move-out inspection, or calculation of charges has been supplied. 

The balance appears inflated and does not match any documented obligation. 

Multiple incorrect addresses on my report during this period indicate a file-matching error. 

The furnisher has failed to provide any verification under FCRA 609 ( a ) or 611.

I am requesting the bureau delete this account unless full verification is provided, including : Signed lease agreement Itemized accounting Proof of responsibility Documentation supporting the reported amount Method of verification used If the furnisher can not validate the debt, it must be removed from my report.

Please investigate this matter and provide written results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to TransUnion regarding an account reported by XXXX XXXX XXXX. This account does not belong to me, and I never authorized, opened, or signed any agreement with XXXX XXXX XXXX or the alleged original creditor. Despite this dispute, TransUnion completed its investigation and updated the account information based solely on information provided by the furnisher, without providing any supporting documentation, original contract, or wet signature. 

Updating disputed information without providing documentation or evidence does not constitute a reasonable reinvestigation as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i. Additionally, XXXX XXXX XXXX continued reporting of this account without proper validation is inaccurate, misleading, and unsupported by evidence. I previously requested proper validation under 15 U.S.C. 1692g, including proof of ownership and an original signed agreement, which has not been provided. 

The continued reporting of this unverified account violates both the FCRA and the FDCPA and has caused harm, including credit denials, emotional distress, and damage to my consumer reputation. I am requesting immediate deletion of this inaccurate and unsubstantiated account from my TransUnion credit report and written confirmation of 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: VA

Complaint narrative:
My XXXX  military rewards level was historically XXXX, which awarded a 3 % earn rate on my US Bank XXXX XXXX card. 

On XX/XX/XXXX, US Bank downgraded my military XXXX  rewards level to XXXX, reducing the earn rate to 2.5 %. I called immediately for clarification and was explicitly instructed by a representative to disregard the downgrade and that rewards would continue to be awarded at the same rate. 

Relying on that information, I continued using the card. 

My rewards statement dated XX/XX/XXXX confirmed that XXXXXXXX  rewards were applied instead. When I called again the same day, a representative denied the existence of XXXX tiers altogether, directly contradicting both prior representations and my statement history. 

This constitutes detrimental reliance on incorrect information provided by the bank, resulting in a measurable financial loss. 

I am requesting a retroactive correction to reflect the XXXX-XXXX XXXX % earn rate for the statement period in question, or an equivalent points adjustment to make the account whole. 

While a representative indicated that a service ticket would be submitted, prior inquiries regarding rewards discrepancies have resulted only in generic program descriptions without addressing the specific issue or providing corrective action. 

Accordingly, I am submitting this complaint to ensure review by individuals with the authority to evaluate the discrepancy and apply an appropriate remedy.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
This debt is not from me. I am a victim of identity theft which is why I now have a password on my credit. I have tried to resolve this numerous times with no resolve. I am not responsible for this 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 explanation
Consumer complaint received 2025-12-14 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: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful credit reporting involving late payment information that is being furnished to the credit reporting agencies without proper written notice, verification, or lawful basis.

One or more furnishers are reporting late payments on my credit file despite failing to provide me with written notice prior to reporting these derogatory entries. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681a, information reported must be accurate, complete, and verifiable. Reporting late payments without documented written notice fails to meet the statutory definition of accuracy and reliability.

Further, pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers have a legal obligation to ensure the accuracy of information they report and to correct or delete information that is incomplete, misleading, or unverifiable. Reporting alleged late payments without proof of notice or supporting documentation is materially misleading and unlawful.

Despite my efforts to dispute this information, the inaccurate reporting continues. The publication of unverified late payments has caused reputational harm and constitutes defamation of character by falsely portraying my creditworthiness to third parties.

Under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable investigation when a dispute is submitted. To date, no valid verification or proof of written notice has been provided.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting a XXXX  XXXX bankruptcy and related public record information that does not belong to me. I disputed this bankruptcy and the associated accounts as inaccurate and not mine. 

During its reinvestigation, Experian removed multiple accounts that had been incorrectly associated with the bankruptcy, including a mortgage and an auto loan. This confirms that those accounts were not mine and were misattributed to my credit file. 

Despite determining that the accounts were not mine and deleting them, Experian continues to report the bankruptcy public record itself. The remaining bankruptcy entry is therefore inaccurate, unsupported, and the result of a mixed or misattributed credit file. 

Experian is required under the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) and 611 ) to ensure maximum possible accuracy and to delete information that can not be verified as belonging to the consumer. Since the accounts tied to this bankruptcy were removed as not mine, Experian can not lawfully continue reporting a bankruptcy that does not belong to me.

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 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
The debt claimed by NRA was dismissed with prejudice on XX/XX/year> in MD District court case XXXX. The PLAINTIFF, XXXX XXXX XXXX ( XXXX, I ) subsequently resold this account to NRA, knowing that is was dismissed. 

The claim underlying the alleged debt was dismissed by final court order The obligation is extinguished and void Any future assignment, sale, or placement : Transfers no enforceable rights Constitutes misrepresentation of legal status Exposes both transferor and transferee to liability on XX/XX/year>, notice was sent from XXXX XXXX ( via email ) to the LendingClub ( originator ), XXXX, and NRA to cease attempts to collect this debt.

Under FDCPA and common-law principles, notice converts negligence into willfulness Any buyer after notice can not claim bona fide error On XX/XX/year>, I discovered that NRA was reporting this as a collection account to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: DE

Complaint narrative:
This company called veros credit have reported that I XXXX XXXX XXXX address XXXX XXXX XXXX XXXX Delaware XXXX owe them a debt account number XXXX amount ending in XXXX opened on XX/XX/2020 stating that I have a vehicle from them which I never have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used Cash App to make a purchase on XXXX using gift card balance funds. After the transaction, the funds became unavailable to me. XXXX attempted to issue a refund, but the refund was declined and the money did not return to my Cash App balance or to any linked payment method. 

I contacted both XXXX and Cash App multiple times asking where the funds are, why the refund was declined, and when the money would be returned. XXXX stated the refund was sent, while Cash App stated they did not receive it. Neither company has taken responsibility or provided a clear resolution. 

I still do not have access to my money. I am requesting that the funds be returned or that XXXX and Cash App clearly explain what happened to the refund and when the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments reported on an account that was, in fact, paid on time. Consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint showing the following dates : ( XX/XX/year> ). 

I am now requesting that you investigate this account and update the payments to paid immediately. Thank you.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
So I had my chime account for months, that was the only thing I used I didnt have a bank account or any of that. and one day I got a notification a month prior that my account was being closed and I never got an reason why, I dont know if they thought I was doing fraud or whatever the case may be cause at times I did have lots of money coming in and out. but I feel like they couldve maybe suspended me til I talked to an agent or something then just banning me and not explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX  is the original creditor and they applied they unemployed insurance i paid into for years .. we talked back in XXXX .. and now i have a collection on my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: SC

Complaint narrative:
Today the XXXX of XX/XX/XXXX I tried to login to my account and it said I was " restricted for my safety ''. 

Called and the guy said it was closed for fraud and would not provide any details. 
I asked what my balance was and how I could retreive it to which I was told they will not dislose that or pay out any remaining balance. 

I signed up for this account on or around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Nelnet, Inc.
State: IN

Complaint narrative:
CFPB Complaint Nelnet Servicing Misconduct Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX Email : XXXX I am submitting this complaint regarding Nelnets improper servicing and contradictory notices. How can a borrower trust and rely on this information when the servicer 's information is extremely contradictive and misleading? 
XXXX : XX/XX/year> I received an email from Nelnet stating my account was placed in forbearance for a minimum of 60 days. 
XX/XX/year> Nelnet emailed me stating that I was on the SAVE plan but my application was not processed and was over 60 days old. 
XX/XX/year> I received a bill demanding payment, showing a {$700.00} amount due and a {$2600.00} past due balance, despite being within the alleged XXXX0nday window.

Harm Suffered : Improper delinquency Financial hardship Emotional distress Potential credit damage Requested Resolution : Remove all delinquency and past due notation Correct all balances created by servicing errors Provide written explanation of how the error occurred If I am in forbearance how could I have almost $ XXXX in pending past due? 
Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/year> I certified mailed XXXX XXXX, and Transunion a copy of a identity theft report, license, proof of address, a bill as well as a cease and desist letter. XXXX  claims to have only received my identity theft report, and transunion claims they never got anything. i have tracking numbers for all letters sent. They have 4 days to remove the items I listed on the report. Theyre trying to slow play me and tell me " i dont meet the criteria, i have to wait 30 days ''. By law they have 4 days to remove!

Attached you will find copies of my identity theft report. If you require anything else please let me know

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 2025-12-14 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I disputed an Ally Financial auto loan that is closed and paid in full. The vehicle was a total loss, and payment delays were related to insurance and GAP processing, not missed payments due to consumer neglect. 

In XX/XX/year>, Ally/XX/XX/XXXX completed an investigation and corrected the account by removing a 120-day late payment, confirming the account was inaccurately reported. However, Ally continues to report 30-, 60-, and 90-day late payments tied to the same total loss and insurance/GAP issue. 

To stop continued negative reporting, I paid the remaining balance out of pocket. That payment was later reimbursed by the dealerships finance department, confirming the issue was administrative and not an unpaid obligation. The loan is now closed and paid. 

Despite this, Ally has not provided documentation verifying the remaining late payments or explaining why only part of the inaccurate reporting was corrected. I am requesting that Ally either provide documentation supporting each remaining late payment or remove the inaccurate late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
The Issue : Credit Reporting - Incorrect Information on Report / Old Information Won't Go Away. ( Outdated and Discharged ) All three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting a Chapter XXXX bankruptcy ( Case No. XXXX ) on my credit reports. The bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX by the U.S. Bankruptcy Court for the XXXX XXXX of Pennsylvania. 

On XX/XX/XXXX, I received official documentation from the bankruptcy court ( signed by XXXX XXXXXXXX XXXX XXXX ) that clearly states : " The Bankruptcy Court does not report information to any of the credit reporting agencies. '' Despite submitting this official court documentation to XXXX and disputing with all three credit bureaus, they continue to report this bankruptcy on my credit reports. 

What I have done : 1.Obtained official court notice confirming the court does not report bankruptcies 2.Submitted documentation to XXXX requesting removal 3.Disputed with TransUnion, Experian, and Equifax 4. All companies have failed to remove the inaccurate information

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 2025-12-14 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:
The Issue : Credit Reporting - Incorrect Information on Report / Old Information Won't Go Away. ( Outdated and Discharged ) All three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting a Chapter XXXX bankruptcy ( Case No. XXXX ) on my credit reports. The bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX by the U.S. Bankruptcy Court for the XXXX XXXX of Pennsylvania. 

On XX/XX/XXXX, I received official documentation from the bankruptcy court ( signed by XXXX XXXXXXXX XXXX XXXX ) that clearly states : " The Bankruptcy Court does not report information to any of the credit reporting agencies. '' Despite submitting this official court documentation to XXXX and disputing with all three credit bureaus, they continue to report this bankruptcy on my credit reports. 

What I have done : 1.Obtained official court notice confirming the court does not report bankruptcies 2.Submitted documentation to XXXX requesting removal 3.Disputed with TransUnion, Experian, and Equifax 4. All companies have failed to remove the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Approximately three months ago, I contacted American Express by phone to report unauthorized charges on my credit card totaling approximately {$1000.00}. I did not make, authorize, or benefit from these transactions. 

At the time of my call, I was told the matter would be handled. However, I have since been unable to access my online account due to security restrictions, as I am currently outside the United States. 

Despite having reported the fraud, I am now receiving emails indicating that the account is past due and demanding payment for charges that are not mine. I have not received any written confirmation regarding the status or outcome of the fraud investigation. 

I have attempted to obtain information from the company, but I have not been provided with a clear resolution or restored account access. 

I am requesting that the fraudulent charges be removed, the fraud investigation be properly completed, all late fees and penalties be waived, and that no negative credit reporting occur related to this matter.

Company response to consumer: Closed with monetary relief