vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because my Experian credit report is showing multiple unauthorized hard inquiries that I never applied for or gave permission to. 

The inquiries in question 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
XXXX  is inaccurately reporting an account on my credit report. The issue is that XXXX  sold the vehicle tied to this account, and I have official XXXX documentation confirming the sale. 

Despite this, XXXX  has continued to furnish the account as a valid debt. I disputed this through XXXX  and was told XXXX  verified the account as accurate, which is false and contradicts the XXXX records I submitted. 

By continuing to report this account as valid after receiving proof of the sale, XXXX  is furnishing inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that XXXX  immediately update or delete this account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Nelnet XXXX XXXX XXXX. Despite my financial hardship, Nelnet has failed to provide me with appropriate relief options such as an income-driven repayment plan or forbearance that would allow me to have a $ XXXX  monthly payment. 
Instead, Nelnet has reported late payments to the credit bureaus, which has severely harmed my credit score and financial profile. This negative reporting is preventing me from accessing housing, credit, and other essential financial opportunities. 
I am requesting that Nelnet : Immediately review my account for enrollment in an income-driven repayment plan or other hardship program with $ XXXXmonth payment if eligible. 
Remove all late payment marks and negative credit reporting associated with my Nelnet student loans. 
Provide written assurance that while I am in hardship programs, no further negative credit reporting will occur. 
I believe Nelnets handling of my account has been unfair and damaging, and I ask CFPB to require Nelnet to correct these issues and resolve my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: TX

Complaint narrative:
The below 3 private student loans were taken from College Ave. While paying off the loans, excess amount was paid to each of the accounts and as per the transaction history College Ave has processed refunds for each of the below loan accounts for the excess amount but the check never reached my mailbox. 

1. Loan ID : XXXX - Refund process date as per online account transaction history is : XX/XX/XXXX - Refund Amount is : {$6700.00} 2. Loan ID : XXXX - refund process date as per online account transaction history is : XX/XX/XXXX - Refund Amount is : {$390.00} 3. Loan ID : XXXX - refund process date as per online account transaction history is : XX/XX/XXXX - Refund Amount is : {$380.00} Made several phone calls to customer services to log the complaint in XXXX month. Initially they mentioned that they logged a check search which will take 15 business days to respond. But no email or phone call received on the status of the search. 

After making another XXXX calls to customer services after 15 days past, they updated that the checks were either not sent or lost and they have initiated issuance of new checks for all 3 refunds and they confirmed my mailing address once again. 

Another 15 days past but the checks are not received in my mailbox. Since then have been making phone calls to customer services and every time they mentioned that the checks are re-issued and will take another 15 days to reach. This has been going on and seems like College Ave is trying to avoid paying me the refund. Finally reaching out to you for help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX Re : Cease and Desist Demand To whom it may concern, I am writing to formally demand that you immediately cease and desist from engaging in the following conduct : harassment via repeated unwanted contact, This conduct is unlawful and is causing harm to me, including loss of income, emotional distress, etc. 
You are hereby directed to : 1. Immediately stop the above-described activity.

2. Refrain from any future conduct of a similar nature.

3. [ Optional : Take corrective action, such as removing infringing material, issuing a retraction, etc. ] If you do not comply with this demand within 14 days of receipt of this letter, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages and injunctive relief. 
This letter serves as your final warning before legal action. Nothing in this letter waives any rights, remedies, or claims available to me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX BANK XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
I was on deferred status and came off deferred status but it was only XXXX of my loans. The loans I was not deferring were on automatic payments from checking. When the loans that were being deferred came off that status and became effective again they did not revert back to automatic payments like my other loans. All are being managed by XXXX. XXXX did not call, mail, or email of the fact that I was resuming payments, that they were not going to revert back to autopay, and worst of all never notified me of my late status before reporting to the credit bureaus. Considering I have very little say in what company manages my loans and that they are fully unwilling to fix the reporting status even though they back dated my deferred status so my account shows current it is unacceptable practice to let an avoidable situation harm someone irrevocably. I disputed with Experian but because they are unwilling to fix the late payment status even though Im paid up and now current I need to ask that XXXX be held responsible and accountable to fixing this egregious error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was making a payment by phone somehow payment didn't go thru because of there system fault they reported credit bureau and I lost my credit score kindly can you plz fixed my score there system mistake and I am the one who's paying the price in this country credit is my life thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: IN

Complaint narrative:
My Experian credit report currently lists my date of birth as only the year XXXX. 
My full date of birth is XX/XX/year>. This incomplete DOB is causing verification issues and has resulted in declined applications. I have attempted to update my DOB online, but the system will not accept the full date, and I can not reach an Experian agent by phone. 

I am requesting that Experian manually update my credit report to reflect my full date of birth. If necessary, I will provide information to prove my date of birth. Please provide confirmation and a reference number for this correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app took out {$59.00} out of my account saying it was a charge from XXXX XXXX I showed them paperwork from XXXX XXXX and they stated I have no accounts with them free memberships or paid memberships that sent them to them XXXX different times and they still say it was a valid transaction and they show me no proof of where the money went and they will not give me a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/25 the amount of {$1400.00} was paid in full over the phone after asking for payoff amount to do a balance transfer onto another banking account. I have received {$140.00} on XX/XX/25 of overdraft charges on a {$0.00} balance. On XX/XX/25 I talked to a supervisor over a recorded line that waived all charges except for the amount of {$25.00}, over the phone I had agreed to pay that amount to pay off all debt and that the account would be closed on XX/XX/25. BMO then decided to mail out a letter saying I ' am XXXX  months late on an overdue balance and the total amount they expected from me is {$80.00}. I have tried getting people to call back on promised scheduled times and have been ignored, they avoid me at all cost and won't answer simple questions or help in any way. They have tanked my credit score as they have been reporting the delinquency 's that BMO has caused and I have no idea what to do as even in paying off the debt before the due dates on the statements, I'm still hit with random and unexplained charges on a {$0.00} balance owed.

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 2025-09-10 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: TX

Complaint narrative:
Complaint Regarding Illegal Credit Reporting by XXXX XXXX XXXX Experian, Transunion and Equifax XXXX XXXX XXXX name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, XXXX, XXXX. 

I am submitting this complaint against XXXX XXXX XXXX, who is illegally furnishing information to Experian on account number XXXX. They are repeatedly reporting 180-day late notations, which is a direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ).

The law requires that a collection account only be reported for 7 years from the original delinquency date, not with repeated, ongoing late-payment notations. 

By re-aging the account and continuing to mark it as 180 days late, XXXX XXXX XXXX is misrepresenting the status of the debt and artificially extending its derogatory effect. 

This conduct is both erroneous and illegal, and it is causing me severe harm to my creditworthiness and access to financial opportunities. 

I demand immediate deletion of this account from my Experian, Transunion and Equifax credit file, or at minimum removal of all false 180-day late notations that extend beyond the original delinquency date. 

I request urgent investigation and enforcement by the CFPB. Attached is a copy of my Experian report highlighting the disputed item. 

Sincerely, 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 2025-09-10 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: GA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am deeply frustrated to see that inaccurate accounts are still appearing on my credit reports, and none of them were removed. I am pleading for the documents Ive attached to be carefully reviewed so I can finally stop living with this constant worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Subject : Failure to Provide Account Records and Follow-Up as Promised To Whom It May Concern, I am filing this complaint regarding PayPal , Inc . 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PayPal customer support informed me that they would : 1. Order my complete transaction records dating back to XXXX. 
2. Call me back by phone to confirm whether I had received them or not. 

Neither of these commitments were fulfilled. 

This was my fourth documented attempt to resolve this issue with PayPal. Each time, PayPal has failed to provide the requested records or follow through on promises of follow-up. As of today, I have waited 10 days since the most recent commitment and have received nothing. 

This failure is preventing me from accessing account records that I am entitled to. 

Resolution Requested : I want PayPal to provide my complete account transaction records from XXXX to the present in writing, either electronically or by mail. 
I also want a clear explanation of why my previous four attempts and the commitments made on XX/XX/XXXX, were not honored. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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