vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was misled into a {$7000.00} legal credit line that XXXX XXXX advertised as a credit card. I never intended to take out any loan. I believed I was signing up for legal assistance and a credit card to help me rebuild my credit. I never received any services, no legal work was done, and I never received a credit card. The product was falsely represented. 

At the time I signed, I was severely medically XXXX and cognitively impaired. I suffered a major XXXX that left me with XXXX XXXX XXXX XXXX on XXXX side, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disclosed this to XXXX. They took advantage of my XXXX and my inability to understand the agreement. I had no capacity to consent. 

I requested the billing statements, the contract, the work performed, and all documentation. They refused and to this day have provided nothing. They continued billing me without providing any service. XXXXXXXX XXXX XXXX refused to correct the account or provide disclosures. They also became hostile when I asked questions. 

This was deceptive marketing, failure of disclosure, predatory lending, and exploitation of a XXXX consumer. I am requesting all charges be removed, the loan canceled, and my credit restored because I received no services and had no capacity to understand or agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
Complaint Title : Exeter Finance Illegally Reporting After Selling Account Retaliatory and Inaccurate Reporting Summary : Exeter Finance sold my auto loan to XXXX XXXX before XX/XX/year>. I received written notice from XXXX XXXX confirming they are the owner and current creditor. 

Despite this, Exeter Finance began updating my credit report on XX/XX/year>, showing : > Your EXETER FIN payment history has changed. 



This happened after I filed complaints with the CFPB and Illinois Attorney General. 

What they did wrong : They continued furnishing information after selling the debt They updated payment history on an account they do not own This violates FCRA 623 The timing suggests retaliation for filing complaints Their updates caused credit damage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
Exeter Finance is reporting inaccurate credit information and refusing to investigate lawful disputes and tender of payment on my auto loan. 

On multiple occasions I sent Exeter written notices by certified mail disputing Truth in Lending Act disclosure errors ( overcharges of more than {$6600.00} ) and tendering payment through a negotiable instrument/promissory note under the Uniform Commercial Code, followed by an affidavit of tender when they failed to respond. I requested investigation, corrected disclosures, proper application of the tender, and accurate credit reporting. 

Instead of investigating or responding to the tender and dispute, Exeter sent me a written cease and desist letter accusing my statutory notices and tender documents of being harassment and stating they would not respond to future complaints. They have since continued to report the account as late/non-payment. 

I have also made a {$400.00} good-faith payment recently, which Exeter accepted XXXX yet they still report the account as late. Exeters own statements show no late fees during some periods, which contradicts the derogatory credit reporting. 

Exeter has : failed to investigate my tender of payment and disclosure dispute; failed to mark the account as disputed as required by FCRA 623 ( a ) ( 3 ) ; continued inaccurate and misleading credit furnishing ; and retaliated against my lawful attempts to resolve the account.

I request that CFPB compel Exeter to : ( 1 ) investigate and respond to my tender of payment and contract disclosure dispute ; ( 2 ) correct all inaccurate credit reporting ; ( 3 ) add required dispute notation ; and ( 4 ) provide a full, accurate accounting. 

This matter has also been reported to the Federal Trade Commission under Report Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: SC

Complaint narrative:
I am submitting this follow-up to my formal complaint regarding multiple discrepancies I discovered on my credit reports from Experian, Equifax, and TransUnion, which are continuing to negatively impact my credit score and financial opportunities. These inaccuracies remain unresolved, and I am seeking prompt action to have them corrected.

usly stated, the credit reporting agencies are listing incorrect and unauthorized information, including inaccurate addresses that violate the Fair Credit Reporting Act ( FCRA ). Specifically, Experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX as my address, which I have never resided at. Similarly, Equifax is listing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX as my address, and TransUnion is incorrectly listing XXXX XXXX, XXXX XXXX, SC XXXX under my name. These discrepancies violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ), which requires that only accurate and current information be reported. I request that these incorrect addresses be promptly removed from my credit reports. 
Additionally, I have disputed multiple collection accounts that are incorrectly reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) across all three bureaus. The accounts listed are XXXX, XXXX, XXXX, and XXXX, and they contain missing balances or improper reporting. These discrepancies violate FCRA 623 ( a ) ( 5 ), which mandates accurate reporting of the Date of First Delinquency ( DOFD ) and full disclosure of account details. I request that these collection accounts be verified for accuracy or removed entirely from my reports. 
Furthermore, I have noticed an unauthorized credit inquiry from XXXX XXXX dated XX/XX/year> on my TransUnion report, which was made without my consent. This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ), which restricts credit inquiries to those with permissible purposes. I request that this inquiry be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent a XXXX via Bank of America the amount of {$110.00} to my little brother on his birthday XX/XX/XXXX, which was why I wanted to send {$110.00}. With a message of XXXX XXXX XXXX ( XXXX is his nickname we call him at home for little boy ). The bank suspected of the abbreviations I used and been holding my XXXX for over a month and not solved anything. Ive been trying to call 8 times, each time they kept telling me to call back in XXXX hours when my XXXX should have been through or canceled after 15 days. I have provided every information they needed. It is very frustrating as Ive been a customer for 14 years. This has never happened to me before.

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 monetary relief
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. 

Date of previous CFPB Complaint ID : XXXX, 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 2025-12-07 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: PA

Complaint narrative:
I am filing this complaint because the XXXX credit reporting agencies ( TransUnion, Experian, and Equifax ) are reporting XXXX accounts as charge-off without providing legally required verification, accuracy, or documentation under federal consumer protection laws. 

The disputed accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing these accounts because : The furnishers have not provided evidence that the information reported is accurate and complete, as required by 15 U.S.C. 1681s-2 ( a ).

I have not received proof that the negative information was properly disclosed to me in advance, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ).

No evidence has been provided showing that billing statements were mailed to me at least 21 days before the due date, as required by TILA 15 U.S.C. 1666b ( a ).

No legal or accounting documentation has been provided to justify the use of the charge-off classification under federal standards.

Under FCRA 15 U.S.C. 1681i, if information can not be verified, it must be deleted, yet the credit bureaus continue reporting these accounts without completing a proper reinvestigation.

I am requesting the CFPBs intervention to ensure that the credit bureaus comply with federal law and delete any information they can not properly verify according to the FCRA and TILA.

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 2025-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this follow-up statement to reiterate and clarify the multiple inaccuracies present in my credit reports with Experian, Equifax, and TransUnion. Despite my previous dispute, several accounts continue to be reported with incorrect derogatory information that does not reflect their true status. The XXXX XXXX XXXX  account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) remains inaccurately listed as Derogatory with TransUnion, even though the account was fully settled and closed with a {$0.00} balance ; Equifax correctly reports it as Paid, and Experian does not list the account. I request that TransUnion update this entry to accurately reflect Paid as Agreed. Additionally, the XXXX  XXXX account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) is still showing an incorrect XXXX late payment for XX/XX/XXXX with Experian, despite the account being paid off and closed with a {$0.00} balance. I again request that Experian correct this entry to Paid as Agreed. The XXXX  XXXX account ( opened XX/XX/XXXX, last active XX/XX/XXXX ) continues to display multiple outdated late payments that do not reflect the fact that the account was fully paid with a {$0.00} balance. I request that all three bureaus correct this account to reflect Paid as Agreed. Similarly, the XXXX XXXXXXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) still shows multiple late payment notationseven though the account was paid in full and closed which are outdated and no longer representative of the accounts final standing. I request that Experian, Equifax, and TransUnion update this account to reflect Paid as Agreed and remove outdated late-payment reporting. Lastly, the XXXX XXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) inaccurately reflects XXXX late payments from XXXX and XX/XX/XXXX, and a XXXX late payment from XX/XX/XXXX, despite the account being fully settled with a {$0.00} balance. I request that all three bureaus correct this entry to accurately reflect Paid as Agreed.

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 2025-12-07 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: Nelnet, Inc.
State: NY

Complaint narrative:
NELNET DEMAND FOR IMMEDIATE REMOVAL & DAMAGES XXXX XXXX XXXX XXXX XXXX XXXX  MH XXXX, NY XXXX XXXX Nelnet XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX RE : Formal Notice of Willful FCRA Violations Demand for Immediate Deletion Accounts Affected : 6 Accounts currently reporting on XXXX  / 5 on XXXX  Borrower : XXXX XXXX To Whom It May Concern : This is a formal LEGAL DEMAND to cease unlawful furnishing to consumer reporting agencies and to immediately DELETE all Nelnet tradelines from my credit reports.

By written notification from the U.S. Department of Education Default Resolution Group, Nelnet is confirmed as a prior loan servicer with no current ownership, no servicing authority, and no permissible purpose to furnish or verify information relating to any of these loans.

Despite this, Nelnet continues to : 1 Access and furnish account data post-transfer 2 Report derogatory XXXX day delinquencies after ownership transfer 3 Certify updates to XXXX  and XXXX  through XX/XX/XXXX ( Exhibit B ) 4 Verify disputes falsely asserting current authority 5 Misrepresent creditor relationship and enforcement status These actions constitute willful violations of : FCRA 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 1681s2 ( b ) Failure to correct after notice of dispute FCRA 1681b No permissible purpose to furnish or access XXXX XXXX BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) Misstating legal status of debt is actionable Smith v. ECMC, 2018 WL 6069068 No ownership = no right to report You can not verify payments, delinquency status, or balance information on loans you do not own, do not service, and for which you have no authoritative records. 

REQUIRED ACTION WITHIN 14 DAYS REMOVE all Nelnet tradelines from all CRAs Provide written confirmation of permanent deletion Cease all future furnishing or access to my consumer reports Preserve evidence for litigation DAMAGES RESERVATION Your unlawful conduct has caused and continues to cause measurable consumer credit harm.

I hereby preserve all rights to recover : Statutory damages 15 U.S.C. 1681n Actual damages including credit denials & score injury Attorneys fees and costs If Nelnet refuses or fails to comply, this matter will be escalated for federal enforcement.

All rights explicitly reserved. 

Sincerely, XXXX XXXX XXXX : Exhibit A DOE Transfer Notice Exhibit B Current Nelnet Furnishing Screenshot Exhibit C Legal Authority Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: SC

Complaint narrative:
I am submitting this follow- up statement because I have identified multiple inconsistencies, mismatched reporting dates, and incomplete information appearing across all three major credit reporting agencies Experian, Equifax , and TransUnion regarding several of my closed accounts that currently reflect a {$0.00} balance. Despite these accounts being closed, each bureau displays different late payment months, varying levels of delinquency, or omits portions of the payment history entirely, raising concerns about whether the agencies have complied with their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. For example, my XXXX accounts are reported by Equifax and TransUnion as having extended sequences of XXXX and XXXX late payments during XXXX and XXXX, while Experian does not report these delinquencies at all. This discrepancy indicates that at least one bureau is not receiving, verifying, or updating information consistently with the furnisher. Additionally, my XXXX XXXX account shows different late payment patterns depending on the bureau : Experian reflects late payments from XX/XX/XXXX through XX/XX/XXXX, Equifax reports a slightly different sequence beginning in XX/XX/XXXX through XX/XX/XXXX, and TransUnion lists yet another variation covering late periods from XX/XX/XXXX through XX/XX/XXXX. Since these agencies should all be receiving the same verified data from the same creditor, such discrepancies suggest a failure to maintain accurate and uniform reporting as required under FCRA Section 607 ( b ). My closed XXXX accounts further illustrate this issue, as Experian shows XXXX late entries that do not appear on Equifax or TransUnion, indicating again that the information is not being transmitted, matched, or verified consistently. These inconsistencies lead me to believe that previous reinvestigations conducted by the bureaus may not have satisfied the requirements of FCRA Section 611, which mandates a reasonable and thorough reinvestigation of disputed information. Because the dates of last activity, late payment entries, and payment histories differ across the bureaus, this indicates that the information has not been fully or accurately verified.

Company response to consumer: Closed with explanation