vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime took XXXX out my account and then they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my TransUnion credit report. A telecommunications account reported by XXXX continues to appear despite inconsistent reporting across consumer reporting agencies and prior federal escalation. 

This account was previously the subject of a CFPB complaint that was accepted and referred to the Federal Trade Commission. Despite this notice, TransUnion continues to report the account without providing competent verification or ensuring maximum possible accuracy as required under the Fair Credit Reporting Act. 

The account information is inaccurate and unreliable, as it is reported differently across consumer reporting agencies and has not been validated with documentary evidence. Continued reporting after notice demonstrates a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and a failure to follow reasonable procedures under 1681e ( b ).

I am requesting a lawful reinvestigation and the permanent deletion of any account that can not be fully verified with competent evidence, including proof of accuracy, ownership, and reporting authority.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: DC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union
State: NV

Complaint narrative:
FIRST TECH FCU ( Charged-Off Credit Cards ) Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issues : Duplicate balances across bureaus Charge-off + active balance Inaccurate credit limit reporting XXXX XXXX noncompliance Furnisher Deletion Demand First Tech FCU Violations Asserted 15 USC 1681s-2 ( a ) ( 1 ) ( A ) False information 15 USC 1681s-2 ( b ) Unreasonable investigation XXXX XXXX violations Charge-off coding errors Demand Deletion required unless full validation is produced within statutory timeframes.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: WV

Complaint narrative:
I am disputing XXXX medical collection accounts reported by CAPIO XXXX in the amount of {$1000.00} each. These accounts are inaccurate, false, and do not belong to me. I contacted my health insurance provider, XXXX XXXX XXXX XXXX XXXX XXXX, who confirmed that my medical claims are fully paid and current and that there are no outstanding patient balances. CAPIO Partners has no valid basis to report this debt. Please conduct a full reinvestigation under the Fair Credit Reporting Act and delete these accounts if they can not be properly verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: TX

Complaint narrative:
This debt started off with XXXX XXXX the original creditor the collection agency at the time was XXXX XXXX XXXXXXXX XXXX so I disputed this account, and it was removed from credit on XX/XX/year>. Now XXXX XXXX has turned this over to another collection agency after it being removed from my credit which is called L J Ross Associates , Inc. on the same date that it was removed from credit ( XX/XX/year> ) something is not right here.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: KS

Complaint narrative:
Dear XXXX, I am writing to dispute several accounts that are inaccurately reported on my credit report. The following accounts in dispute fall under various categories, including XXXX XXXX and Inquiries. I request that these items be thoroughly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries : 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 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 non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am filing this complaint against Nelnet and XXXX for unauthorized credit reporting, continued improper contact after dispute, and violations of the Fair Credit Reporting Act ( FCRA ) and federal privacy laws. 

Nelnet is reporting multiple tradelines on my consumer credit reports under the name DEPTEDNELNET. All reported tradelines are marked CLOSED with a {$0.00} balance and share the same reporting date. This confirms there is no active account, no outstanding obligation, and no permissible purpose for continued reporting or contact. 

Nelnet has no original signed contract, no written authorization, and no consumer consent permitting it to furnish or report information on my credit file. In the absence of proper documentation, Nelnets furnishing of this information violates 15 U.S.C. 1681 and constitutes unauthorized reporting. 

Despite formal disputes, XXXX continues to report this information without providing or obtaining proper verification or documentation, in violation of its obligations under FCRA 611. XXXX  failed to ensure the information was accurate, complete, and verifiable, and instead continued reporting data supplied by Nelnet without lawful proof of authorization or contractual obligation. 

Additionally, my non-public personal information was disclosed and processed through unauthorized third-party involvement, in violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ). I did not authorize any third party to access, furnish, or disseminate my personal or financial information. 

Under FCRA 605B, once identity theft, unauthorized use, or fraudulent association is asserted, continued reporting of the disputed information is prohibited. Nelnet and XXXX continued reporting and communication after notice, constituting willful noncompliance. 

Nelnets reporting of multiple duplicate tradelines for the same alleged obligation is misleading and inaccurate. As a furnisher, Nelnet can not deflect responsibility to the credit reporting agencies. As a consumer reporting agency, XXXX can not rely on unverified data when proper documentation is lacking. 

Despite the accounts being closed, disputed, and reported with a {$0.00} balance, Nelnet continues to attempt contact, and XXXX continues to report the information. This conduct has caused material harm, including interference with my ability to obtain housing. 

NOTICE OF INTENT TO ARBITRATE This complaint also serves as formal notice of my intent to pursue arbitration against Nelnet and XXXX for violations of the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, and related consumer protection statutes if these violations are not promptly cured. 

Sincerely, XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX my wife went to XXXX store to cancel our internet and phone line service. She was told at this time that there was an outstanding balance from XX/XX/XXXX with my name but a new account number listed with an out of state address. We disputed the claim with XXXX fraud department multiple times showing that it was identity theft that we never resided in XXXX  XXXX, however XXXX never responded to our claim submission just sent me to collections. The first attempt they sent through collections was XX/XX/XXXX with XXXX XXXX XXXX  which we opened a identity theft claim through as well. We heard nothing back from XXXX or XXXX after submitting the required paper work, police report, and verification of address. The claims submitted where XX/XX/XXXX, and XX/XX/XXXX. I tried reaching out several times over the summer months to XXXX to get any information on my claim status but it would either direct me to a phone that no one was ever available to answer and would hang up on you or it would send you a generic email saying that someone would contact you in XXXX  days but no one ever did. Then on XX/XX/XXXX I received a bill from another collection agency this one is XXXX  telling me to pay my outstanding debt again. On XX/XX/XXXX I reached out to XXXX to dispute this as well. They say they have made note on their end however the only way to clear it is through XXXX which will not respond to any of the submissions I have previously done. On XX/XX/XXXX I contacted my credit union which we have a XXXX ID identity package through and they have been working on trying to clear this as well with no resolve either. On XX/XX/XXXX with the assistance of Ultimate ID we mailed a hard copy of all the identity theft claim proof along with all additional steps that we had taken in-between with no response from XXXX with XXXX number to XXXX identify theft office. As of current I nor Ultimate ID can get any resolution or answers from XXXX on this claim that is clearly identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === 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 XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
Subject : Formal Complaint HIPAA Violations, Improper Medical Debt Collection, and Credit Reporting Errors To Whom It May Concern, Medical bill of XXXX XXXX COLLECTION BEEN ON THERE SINCE XXXX  AND THEY HAVE PLACED IT ON THERE TWICE THIS DEBT WAS PAID BY INSURANCE COMAPNY. 

I am submitting this formal complaint regarding your companys improper handling of an alleged medical debt associated with my name. Your actions constitute serious violations of federal law and have caused significant financial and emotional distress. 

First, your company obtained and used my medical records from a hospital without my authorization or consent. I never signed a HIPAA authorization permitting the release of my protected health information to your organization. This is a direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), which strictly limits the disclosure of protected health information without patient authorization.

Second, I have repeatedly requested written validation and proof of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite multiple disputes, your company has failed to provide proper documentation showing that I legally owe the amounts you are attempting to collect.

Additionally, I have clearly informed your companyon multiple occasionsthat my insurance provider has already paid this bill in full, and that I do not owe the balances being reported. Rather than investigating and correcting the issue, your company has continued collection efforts and escalated the matter improperly.

Most concerning, your company has reported the same medical collection twice on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires accuracy, fairness, and verification of reported information. Duplicating the same collection account is misleading, harmful, and unlawful.

Your continued actions appear retaliatory in nature, as the reporting errors worsened after I exercised my legal right to dispute the debt. These practices are harassing, deceptive, and abusive, in violation of FDCPA 1692d and 1692e.

This letter serves as formal documentation of your noncompliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently found out that Capital One changed my street address without authorization from me. I found this out when my credit rating dropped significantly only to find out it was due to a missed a Kohls  XXXX XXXX payment. I have an excellent payment record. 

I called Capital One who manages the Kohls  credit card to see why I had not received the bill and they informed me that it was sent to a new address. They did not have a record of who authorized the address change to my account. They also told me that the account would not have been modified without my expressed consent, which I would not have provided since it was not my address. 

They updated my account information while on the call and refunded me late charges and interest fees and I paid the balance immediately. 

I am filing this complaint because someone other than myself was allowed to change my account information without my knowledge. Capital One has now exposed me to potential fraud. How can Capital One change my personal data without my consent?

Company response to consumer: Closed with monetary relief