vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
So I had money sitting on my cash app due to the fact I had just accumulated it selling food plates. I also cash app my grandma to pay her for watching my kid .while still working for an incentive based non profit that also sometimes cash apps me. Around XX/XX/XXXX it began to happen I tried to withdrawal my funds it wouldnt let not let me, I also tried to link my boyfriends Chime account it wouldnt let me withdraw there as well. That still didnt work up to this point I dont know what to do or who to speak too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Checked out my consumer profile and had multiple inaccurate accounts, I am filling metro 2 compliance to challenge inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Netspend Corporation
State: OH

Complaint narrative:
received a card in the mail I didn't request. I've attempted to cancel this card via the customer service number provided. They've not been helpful at all, and have attempted to give me the run around.

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 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an AMEX gift card as a bonus from my job. It was sealed in its envelope. I tried activating it online and over the phone. But was given a system error online and another error over the phone. I called the number on the card to activate it, and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, Louisiana Company : Security Finance The above account was paid in full ( {$440.00} ) as of XX/XX/2024. Despite this, Security Finance continues to report it as a charge-off ( CO ) for multiple months from XXXX. 

I request immediate correction or deletion of this account across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Date Re : Request for Verification Paid XXXX  Account Account Number : XXXX To XXXX, I am requesting written verification of the above account. The account is fully paid off ( 100 % ), yet the payment history on my credit report is incomplete. Please provide : 1. Documentation confirming that the account is fully paid 2. Complete payment history, including all payments applied 3. Confirmation that all reporting to credit bureaus is accurate If verification can not be provided, I request that this account be corrected or deleted from all credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SYSTEMIC VIOLATION OF FCRA SECTION 607 ( b ) - FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY.

I am filing this formal complaint because Experian is willfully maintaining demonstrably false personal information on my consumer report, creating a severe security risk and a " mixed file '' scenario.

THE EVIDENCE : I have attached my valid, Government-Issued Georgia Driver 's License. This document establishes my SOLE legal name and SOLE legal residence.

THE VIOLATION : Despite having access to this verified government data, Experian insists on reporting false aliases and conflicting addresses. Specifically : FALSE NAMES : Experian reports typos and data entry errors such as " XXXX '', " XXXX '', and " XXXX ''. These are not my name. They are clerical errors that do not exist on any legal document. 

FALSE ADDRESSES : Experian reports a " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' as a residence. It is logically impossible for me to reside in a XXXX XXXX XXXX California while being legally domiciled in XXXX. 

THE LEGAL ARGUMENT : Under FCRA Section 607 ( b ), Experian must follow " reasonable procedures to assure maximum possible accuracy. '' Accepting a creditor 's typo ( like " XXXX '' ) over a Consumer 's Government ID is NOT a reasonable procedure. It is negligence. 

DEMAND FOR REMEDY : I demand Experian immediately standardizes my personal profile to match the attached Government ID EXACTLY. 

REMOVE all name variations that do not match the ID. 

REMOVE all addresses that do not match the ID ( especially the XXXXXXXX XXXX XXXX  address ).

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-27 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: MA

Complaint narrative:
I called XXXX to dispute the loans on my account, it was mentioned 19 different loans have been reported by the department of education and its not coming from Nelnet, when all my loans have only been from Nelnet. I have even called XXXX about my loans when they were moved around, they will pick up and hang up the phone. This occured when we were in COVID. Why is Nelnet playing games with my loans and why is it being reported completely differently. They still did not accept my XXXX XXXX loan information haing worked more than 10 years in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CO

Complaint narrative:
Received letter from US Bank that a new Us bank split card was denied, I did not apply for this credit

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I sent {$150.00} through XXXX  on XX/XX/year>. The payment was canceled, and XXXX  told me that the money was refunded back to my card. However, I never received the refund in my account. It has now been weeks with no resolution. 

I have contacted both XXXX  and my bank ( XXXX XXXX XXXX  ) multiple times. My bank confirmed there is no record of the refund coming in, and XXXX  keeps telling me to wait even though it has been far beyond normal refund time. This has been extremely frustrating, and I simply want my money returned. 

I have attached the transaction details, the email from XXXX  confirming the refund, and my bank statement showing that I never received it, as proof of the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax XXXX up and tied my email to another user 's account so I can not login and get my credit report, or freeze it, or monitor it. ; .. called customer service and they said I had to reregister with another new email, which is stupid, but I tried and still can not get into my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
To summarize the situation : I leased a 2023 XXXX XXXX which was towed from my apartment complexs parking garage while I was out of town in XXXX XXXX XXXX During that period, I was hospitalized for about XXXX weeks due to a health issue, and altogether I was away for roughly a month before I realized the car was missing. Initially, I thought it had been repossessed because I had missed a few payments. However, XXXX informed me they did not repossess the vehicle. 

After further investigation, I found out the tow truck company that contracts with my apartment complex had towed the car about a month and a half earlier. They claimed the car was abandoned and sold it at auction before I even knew it was gone. Despite my attempts to get information, the tow company was uncooperative and essentially told me they didnt have to provide any details. XXXX did send me a copy of the notice they received from the tow company, stating the vehicle was in their possession and needed to be retrieved. Unfortunately, on the very day XXXX tried to reclaim the car, the tow company sold it. As a result, I was left with a {$30000.00} loan on a car I no longer possess. I had gap insurance through my insurance company and through XXXX and neither of those policies covered this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
Experian Information Solutions , Inc. has failed to comply with the Fair Credit Reporting Act after receiving my written disputes. 

Experian responded by stating disputed information was verified but failed to conduct a reasonable reinvestigation and failed to correct or delete inaccurate and unverifiable data from my credit report. 

Experian : Failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Continued reporting closed and charged-off tradelines disputed as inaccurate or incomplete, violating 1681i ( a ) ( 5 ) Failed to correct inaccurate payment history and derogatory notations that were disputed Failed to provide the required method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ) Continued publishing outdated personal information Experians continued dissemination of inaccurate consumer data also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ( b ) ), which requires reasonable safeguards to protect non-public personal information. 

This has been going on for years someone using my information and they keep saying its mines and verified. This has been destroying my life.

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 2025-12-27 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: WA

Complaint narrative:
I am filing this complaint against TransUnion for a willful violation of 15 U.S.C. 1681i. 

TransUnion is reporting my XXXX XXXX XXXX account ( # XXXX ) as '120+ days late. ' I provided TransUnion with a certified, court-admissible 'Complete Payment Record ' from the Colorado Division of Child Support Services ( attached ). This official record proves that I made consistent payments throughout the period in question ( e.g., payments on XX/XX/year>, XX/XX/year>, XX/XX/year>, and a lump sum of {$6800.00} on XX/XX/year> ). 

Under 15 U.S.C. 1681i ( a ) ( 4 ), TransUnion is legally required to 'review and consider all relevant information submitted by the consumer. ' TransUnion ignored this certified government document and relied solely on an automated 'verified ' response from the furnisher. This is a failure to conduct a reasonable reinvestigation. 

I am not disputing the government agency ; I am disputing TransUnion 's failure to correct an obvious factual error after being provided with conclusive proof. I demand immediate correction or deletion per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-12-27 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:
SPECIFIC INCONSISTENCIES am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX XXXX for an auto loan account ending in XXXX. 

This account is reported as charged off, yet XXXX XXXX XXXX XXXX continues to report an active past-due balance of {$16000.00}, ongoing monthly charge-off statuses, and a repossession ( R ) notation after the charge-off. 

Additionally, the account balance was updated as recently as XX/XX/2025, despite the account being closed and charged off. Payments are also reported after the charge-off date. This reporting is internally inconsistent and misleading. 

I previously disputed this account, yet the inaccurate reporting continues without proper correction or disclosure. 

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681s-2 ( b ) Furnisher failure to properly investigate and correct 15 U.S.C. 1681c ( a ) ( 4 ) Improper re-aging of a charged-off account Charge-off reported with an active {$16000.00} past-due balance Monthly charge-off reporting after account closure Repossession status reported after charge-off Payment activity reported after charge-off Balance updated XX/XX/2025 on a closed/charged-off account Conflicting payment history ( CO + late + repossession )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Back in XXXX of XXXX, I requested a cancellation on my Capital One card ending in XXXX. I was told on a recorded line that I had to agree to closing the account and was put through a series of questions and asked to confirm, which I did. XXXX opened XXXX # XXXX and said it will take 10 to 20 Days to pull the call. She said she submitted feedback to a different department about the unprofessional representative I spoke to prior to her. I was prompted to call in because there was a notification about a XXXX fraud charge that I never authorised, and it was on the card I cancelled. XXXX said she will investigate, and the charge will remain until the card XXXX dispute is reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
1st they weren't paying my taxes and insurance from my escrow so it was about to have a line put on it through no fault of my own. Now it's in forfeiture and I'm about to lose my condo. They have increased my payment 4 times in a month. Now, they are saying it's gone up $ XXXX. This company should be shut down for incompetence. My case needs to be investigated and resolved by an outside party. I'm about to lose my home because of them and I have done absolutely nothing wrong!!!!!

Company response to consumer: Closed with explanation