vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
I applied online for a buyout title loan with First American Title Lending around XX/XX/year>. I requested {$500.00} but was approved for {$1000.00} within 12 days. The approval was presented as a full approval, not conditional, and no additional requirements were mentioned at that time. From the beginning, I clearly explained that my income comes from soleproprietor work that is mostly cashbased, and that my proof of income consists of IRS tax transcripts and bank statements showing student disbursements. The representative handling my application acknowledged this information and continued processing the loan without indicating that my income type was an issue. After being told I was approved, I spent the next 56 days submitting every document the company requested. This included three years of IRS tax transcripts and eight bank account statements ( four accounts, two months each ). I also submitted vehicle photos, signed title documents, references, and direct deposit information. All documents were provided promptly, often the same day they were requested. Despite this, the company later claimed that I did not provide income documents that aligned with what I stated I make. This explanation is false. I provided extensive documentationmultiple bank statements and three years of tax transcriptsexactly matching the income information I disclosed from the start. During the process, the representative also told me I needed to come into a physical office, even though the company advertises that inperson visits are not required for online accounts. When I asked why an office visit was suddenly necessary, my question was ignored and never addressed. After nearly a week of delays and after submitting all required documents, I was abruptly told that I was no longer approved. No clear or valid explanation was provided for reversing the approval after all documentation had already been submitted. This caused significant hardship, as my household income recently decreased due to injury, and we are staying in hotels while trying to secure movein funds. The companys actionsapproving the loan, requesting extensive documentation, delaying the process, providing a false explanation, and then reversing the approvalwere misleading and caused financial harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 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: NY

Complaint narrative:
I am submitting this CFPB complaint regarding inaccurate, incomplete, and potentially unverified late open tradelines appearing on my Experian , Equifax, and TransUnion credit reports under the Fair Credit Reporting Act ( FCRA 1681 et seq. ). The disputed accounts include XXXX XXXX XXXX, reporting a {$460.00} balance, open date XX/XX/XXXX, last activity XX/XX/XXXX, and a reported Late 60 Days status, as well as multiple XXXX XXXX L tradelines under account series XXXX, reporting balances of {$19000.00}, {$18000.00}, {$11000.00}, {$2300.00}, and {$710.00}, all showing identical last activity dates of XX/XX/XXXX and reported late payment status. I dispute the accuracy, completeness, and verification of all delinquency reporting, including the consistency of payment history coding, balance reporting, and the application of late payment statuses across multiple accounts, as I have not been provided sufficient documentation such as complete billing histories, payment posting records, servicing notes, or verified calculations establishing how each delinquency was determined. The uniform reporting of late statuses across multiple tradelines with varying balances raises serious concerns regarding data accuracy, duplication, or automated reporting errors rather than individualized verification as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: NY

Complaint narrative:
I am submitting this CFPB complaint regarding inaccurate, incomplete, and potentially unverified late open tradelines appearing on my Experian , Equifax, and TransUnion credit reports under the Fair Credit Reporting Act ( FCRA 1681 et seq. ). The disputed accounts include XXXX XXXX XXXX, reporting a {$460.00} balance, open date XX/XX/XXXX, last activity XX/XX/XXXX, and a reported Late 60 Days status, as well as multiple XXXX XXXX L tradelines under account series XXXX, reporting balances of {$19000.00}, {$18000.00}, {$11000.00}, {$2300.00}, and {$710.00}, all showing identical last activity dates of XX/XX/XXXX and reported late payment status. I dispute the accuracy, completeness, and verification of all delinquency reporting, including the consistency of payment history coding, balance reporting, and the application of late payment statuses across multiple accounts, as I have not been provided sufficient documentation such as complete billing histories, payment posting records, servicing notes, or verified calculations establishing how each delinquency was determined. The uniform reporting of late statuses across multiple tradelines with varying balances raises serious concerns regarding data accuracy, duplication, or automated reporting errors rather than individualized verification as required by federal law.

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 2026-05-12 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: NC

Complaint narrative:
I am submitting this complaint concerning inaccurate late payment reporting on my credit file resulting from billing errors as defined under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). The creditor failed to properly apply payments, made accounting and computation errors, and did not provide billing statements at least 21 days prior to the payment due date. Pursuant to 1666 ( b ) ( 4 ) and ( 5 ), these conditions constitute billing errors and can not lawfully form the basis for reporting late payments. Despite my dispute, neither the furnisher nor the credit reporting agency has produced competent or verifiable documentation demonstrating that a legitimate missed payment occurred. Therefore, the continued reporting of these late payments is inaccurate, misleading, and noncompliant with federal law.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have made on time payments for several months however i am no longer stable to where i can afford these payments i wish to have this debt removed so i can escape hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I submitted a XXXXXXXX XXXX XXXXXXXX XXXX XXXX application in XX/XX/XXXX. Therefore, all of my loans were put in forbearance. That meant my loans were NEVER in repayment and if they were, the servicer was in error. Nelnet/Sloan had me in repayment and they still do even though they know of the application, and that the application was approved in XX/XX/XXXX. Nelnet/Sloan made this mistake. They were made aware of their mistake. When I asked them to remove the inaccurate credit reporting in XXXX, they said they would, but they did not and they actively refuse now. They will NOT HELP me even though my credit has been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: NY

Complaint narrative:
I am submitting this CFPB complaint regarding inaccurate, incomplete, and potentially unverified late open tradelines appearing on my Experian , Equifax, and TransUnion credit reports under the Fair Credit Reporting Act ( FCRA 1681 et seq. ). The disputed accounts include XXXX XXXX XXXX, reporting a {$460.00} balance, open date XX/XX/XXXX, last activity XX/XX/XXXX, and a reported Late 60 Days status, as well as multiple XXXX XXXX L tradelines under account series XXXX, reporting balances of {$19000.00}, {$18000.00}, {$11000.00}, {$2300.00}, and {$710.00}, all showing identical last activity dates of XX/XX/XXXX and reported late payment status. I dispute the accuracy, completeness, and verification of all delinquency reporting, including the consistency of payment history coding, balance reporting, and the application of late payment statuses across multiple accounts, as I have not been provided sufficient documentation such as complete billing histories, payment posting records, servicing notes, or verified calculations establishing how each delinquency was determined. The uniform reporting of late statuses across multiple tradelines with varying balances raises serious concerns regarding data accuracy, duplication, or automated reporting errors rather than individualized verification as required by federal law.

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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
XXXXCompany: F.H. Cann & Associates, Inc.XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempts to collect debt not owed / Continued collection during disputeXXXXComplaint Narrative:XXXXI am the XXXX XXXX XXXX XXXX XXXX XXXX. I am filing this complaint regarding an improper and unlawful debt collection attempt by F.H. Cann & Associates for an alleged debt of XXXX originating from XXXX XXXX XXXXThis debt is entirely invalid and is the subject of an active, documented dispute with the original creditor. The charges belong to a tenantXXXX XXXX XXXX whose lease began on XX/XX/XXXX, and explicitly assigns him the financial responsibility for all gas utilities. XXXX XXXX XXXX admitted in writing that XXXX XXXX XXXX ordered the service disconnected on XX/XX/XXXX but the utility failed to execute their own work order.XXXXDespite having the lease and the written dispute on file, XXXX XXXX XXXX unlawfully referred this to F.H. Cann & Associates. On XX/XX/XXXX, I submitted a formal FDCPA Notice of Dispute directly through the F.H. Cann & Associates electronic web portal, demanding validation and an immediate cessation of collections. I also dispatched a hard copy via USPS Certified Mail (Tracking: XXXX), currently under USPS Investigation (Search ID XXXX XXXX XXXX XXXXI am filing this CFPB complaint because F.H. Cann & Associates is attempting to collect a definitively disputed corporate debt that was caused by an original creditor's administrative failure."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I visited the Bank of America branch at XXXX XXXX, NY, to process a wire transfer. During the visit, I encountered severe professional misconduct from staff member XXXX XXXX and the Branch Manager ( whose name sounded like " XXXX '' ). The manager, rather than resolving my concerns, exhibited a hostile and dismissive attitude, creating an unacceptable service environment. I filed an internal complaint and was assigned XXXX # XXXX. Over the following XXXX weeks, I communicated with the " XXXX XXXX XXXX '' via their official digital messaging channels. Despite multiple requests for a WRITTEN resolution for my records, the bank has consistently refused, insisting only on phone communication to avoid creating a formal paper trail of their investigation. On XX/XX/year>, their representative explicitly stated that they are " unable to provide a written update. '' This refusal to provide a documented resolution regarding the misconduct of branch management is a failure of accountability. I am filing this complaint to compel Bank of America to provide a formal written report of their investigation and the disciplinary actions taken.

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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was inaccurately billed for a medical bill back in XX/XX/XXXX. The bill was {$2100.00}. They later than reduced it to {$1400.00}. XXXX originally billed it as though I had been insured but I was not. Once I called and informed them I was not insured during the date of service they reduced to the bill to {$450.00}. They are now reporting this to my credit as a bill I have been making payments on, that I paid {$460.00} as of XX/XX/XXXX and Im 67 % done making payments on it. This is false. This bill was supposed to be billed {$450.00} originally and is a medical debt UNDER {$500.00} therefore it should NOT have been reported to my credit whats so ever. This is a mistake on their behalf and needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Letter To : Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Unverified Debt and Fair Credit Reporting Act ( FCRA ) Violations To Whom It May Concern, I am writing to file a formal complaint against [ Insert Collection Agency Name ] regarding an inaccurate debt they are reporting on my credit file. I have attempted to resolve this directly with the agency multiple times. Each time, I have requested the original debt instrument containing my wet ink signature to prove that this debt is mine. They have consistently failed to provide this documentation, yet they continue to claim the debt is valid and that I am responsible for it. The agency is giving me the " runaround '' and refusing to provide the legal proof required to substantiate their claim. Because they can not produce the original signed contract, they are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by continuing to report unverified and inaccurate information. This inaccurate reporting is having a severe negative impact on my livelihood and my ability to manage my personal and professional life. I am requesting that the CFPB intervene and require this agency to : Provide the original debt instrument with my wet ink signature. Immediately remove this unverified information from all my credit reports if they caw2nnot provide said proof. Thank you for your time and assistance in resolving this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Next Steps : Fill in the Agency Name : Make sure to replace [ Insert Collection Agency Name ] with the actual name of the company you are complaining about. Check your Zip Code : I've included the standard zip code for that area of XXXX XXXX ; please double-check it is correct for your specific building. Upload Documents : When the portal asks for attachments, upload any correspondence you have had with the agency so far.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 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: OH

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent reporting on my consumer credit files with Experian and TransUnion. My Experian report shows XXXX XXXX XXXX account XXXX reported as CHARGE-OFF with a balance of {$770.00} and date last active XX/XX/year>, along with inquiries XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year>, while my TransUnion report shows XXXX XXXX account XXXX reported as NEW CHARGE-OFF with a balance of {$310.00} and date opened XX/XX/year>. These entries reflect inconsistent reporting structures, incomplete account lifecycle details, and lack of aligned furnishing information across bureaus, creating conflicting consumer data that does not reflect maximum possible accuracy. Pursuant to FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 604 ( a ), 605 ( a ), and 611, I am disputing the accuracy, permissible purpose of inquiries, and completeness of all listed tradelines and requesting full review of furnishing records and reporting authorization for each item.

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 2026-05-12 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: OH

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent reporting on my consumer credit files with Experian and TransUnion. My Experian report shows XXXX XXXX XXXX account XXXX reported as CHARGE-OFF with a balance of {$770.00} and date last active XX/XX/year>, along with inquiries XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year>, while my TransUnion report shows XXXX XXXX account XXXX reported as NEW CHARGE-OFF with a balance of {$310.00} and date opened XX/XX/year>. These entries reflect inconsistent reporting structures, incomplete account lifecycle details, and lack of aligned furnishing information across bureaus, creating conflicting consumer data that does not reflect maximum possible accuracy. Pursuant to FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 604 ( a ), 605 ( a ), and 611, I am disputing the accuracy, permissible purpose of inquiries, and completeness of all listed tradelines and requesting full review of furnishing records and reporting authorization for each item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Collection Account Dear CFPB, I am writing to formally dispute a account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. I have already filed a report regarding this identity theft on XXXX and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report. 2. A copy of my government-issued ID ( e.g., driver 's license or passport ). 3. Proof of address ( e.g., recent utility bill or bank statement ). 4. Any additional documentation that may strengthen my case ( e.g., a statement of account or correspondence with the creditor ). I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. Thank you for addressing this urgent issue. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, incomplete, and potentially unverified information appearing on my Experian , Equifax, and XXXX credit reports under the Fair Credit Reporting Act ( FCRA 1681 et seq. ). The disputed items include inaccurate address information listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which I do not recognize or associate with my residence history, raising concerns of mixed file reporting or incorrect identity association. I also dispute credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX, as I have not been provided sufficient documentation confirming permissible purpose or authorization for these inquiries. Additionally, I dispute the collection account reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$3900.00} XXXX XXXX as I have not received adequate validation such as original creditor documentation, chain of assignment, payment history, or proof of legal ownership of the alleged debt. These issues raise concerns under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy, 15 U.S.C. 1681i requiring reasonable reinvestigation of disputed information, 15 U.S.C. 1681b requiring permissible purpose for credit inquiries, and 15 U.S.C. 1681s-2 requiring furnishers to report accurate and fully verified information. The continued reporting of potentially inaccurate addresses, unverified inquiries, and unvalidated collection data is negatively impacting my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief