vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I have spent months attempting to get my student loan information updated, as I have had to do for the past few years, but I believe I've finally uncovered the source of the problem. The University I've been attending, XXXX XXXX XXXX has not been submitting the enrollment data for terms I've subsequently had to withdraw from, which has led to my loan servicer having incomplete/inaccurate information and causing my status to be incorrect. Currently, since I had to go through this process again during the XXXX XXXX term, I should be showing that I'm in my 6 month grace period ( Withdrew from half-time status at XXXXXXXX XXXX XXXX  on XX/XX/year> ), however ; since the University is unwilling to properly report that I was enrolled half-time as of that date - the Loan Servicers and even the Student Clearinghouse do not have the accurate data and I'm showing as delinquent. I'm asking for someone to please correct this with the University, as despite my numerous attempts and documentation provided ( to the Registrar - XXXX XXXX ), the University is unwilling to report the information properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Introduction : I am submitting this complaint regarding United Auto Credit ( UAC ), an automobile lender, for their mishandling of my auto loan and for providing false information about GAP ( Guaranteed Asset Protection ) insurance coverage. 

Background : In or around XX/XX/XXXX, my vehicle was declared totaled by XXXX XXXX XXXX XXXX XXXX XXXX ), and the insurance claim was paid for the value of the my vehicle at the time, a XXXX XXXX XXXX. 

At the time of the accident, I contacted UAC to confirm whether I had GAP insurance. A UAC representative informed me that GAP coverage was in place. However, UAC, later informed me that I did not have GAP insurance, and UAC acknowledged that I was misled regarding this coverage.

Despite the insurance payout and my vehicle being deemed totaled, UAC has refused to negotiate a reasonable payment arrangement, without charging interest fees, based on my fixed income.

UACs refusal to work with me, despite my good-faith efforts to establish an agreed-upon payment plan, is unfair and may unjustly harm my credit. The account remains open and at risk of being reported as in default, even though the circumstances are beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone hacked my account or card so j needed a new one. It's in the mail so I don't have access to the card or my money now so I'm trying to transfer instantly like any other bank would offer and it has a limit which I exceeded. The limit is very small and unrealistic. I also was charged XXXX dollars which is enormous for transfers. Especially in this day in age. I received absolutely no help. I want to let others know not to use chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am a consumer actively working to correct the inaccuracies in my credit report. Below are the details of the disputed accounts for each credit bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I called Experian to have my personal information to be accurate and current on my credit Report XXXX XXXX. I informed the representative certain phone numbers and addresses belong to family members The representative informed me they could not update my personal information. I would need to reach out to the reporting business to change my information before Experian make any changes. until then they will continue to keep wrong phone numbers and addresses which is a clear violation of FCRA 611 15 U.S.C. 1681, 607 ( b )

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I've been trying to negotiate a settlement with Credit Management for years-over the phone, to managers, everything-but they refuse or act like a joke. All I want is to fix my credit and buy my family a house ; instead, they're blocking it. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a debt that they have not properly validated under the FDCPA or FCRA. 

I requested validation of the alleged XXXX XXXX account ending in XXXX. PRA responded with a generic letter but did NOT provide any of the legally required documents, including : The original signed credit card application The original cardholder agreement A full itemized accounting of the balance Monthly statements Proof of chain of title specifically showing my account was included in the purchase from XXXX XXXX  Without these documents, PRA can not verify the accuracy of the debt as required by FDCPA 809 ( b ) and the FCRAs maximum accuracy requirement ( 15 U.S.C. 1681e ( b ) ).

PRA continues to report this account to the credit bureaus despite failing to provide complete and proper validation.

I am requesting : 1. Deletion of the account from all credit reports due to failure to validate.

2. A full investigation into PRAs validation procedures.

3. A copy of all documentation PRA claims to have relied on.

I certify that the information provided here is true to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the accounts indicated. I did not establish them and never authorized them. Please review and remove them. Supporting evidence enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX sent me a collection notice asking for {$130.00} for a debt from XXXX. I stated that I have no idea who it was from and they said that it needs to be paid. I asked from who and they did not know other than it was from a physician. I also called XXXX XXXX XXXX  ( the stated service provider ) and they have no knowledge of the services provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX received overdraft protection approval XX/XX/XXXX filed a Debit card transaction claim with Cash App against XXXX XX/XX/XXXX spoke with Cash leadership and she advised my account is in good standing. 
XX/XX/XXXX XXXX reissued debit card that never shipped. 
XX/XX/XXXX received notice card is being shipped. 
XX/XX/XXXX Date account closed without cause and without prior notification. Did not provide any information regarding closure nor allegations. Did not allow access to funds. 
XX/XX/XXXX Cash App agent refused to allow me to speak with Leadership. 
Refused me access to my funds. 
Refused to provide Cash App financial institution mailing address. Agent hung up in my face after I made the request. 
XX/XX/XXXX I called back XXXX XXXX refused to allow me to speak with XXXX. Provide no details regarding my filed claim. 
XX/XX/XXXX Cash App sent email claiming they reviewed my account and my appeal and continued to withhold funds and activate account. I DID NOT FILE AN APPEAL so this was fraudulent and a lie. I went to the page regarding appeals and there was supposed to be a link to click to submit an appeal. The link was not embedded to click on as you can see in the screenshots provided. 
XXXX filed multiple complaints Reference XXXX Complaint XXXX # XXXX # XXXX # XXXX I wrote this email to Cash App Support XXXX XXXX XXXX XX/XX/XXXX There has been no violation nor fraud on my part. Cash App did not notify me of any closures before taking action. I spoke with Cash App Agent with my Attorney and was told everything was fine with my account and in good standing. I filed a claim with Cash App regarding a merchant taking my money and not sending the product. I will need that claim completed and my funds returned from VISA. I submitted evidence to support my claim I believe Cash App closure is retaliation for filing the claim. 

Cash App has not provided any specific information as what exactly is the fraud done on my account. I am requesting 1. specific Information as to what is the fraud and exactly what is the violation.

2. I have not been given access to my funds.

I am submitting this report to the CFPB.

3. I require the name and address and phone to the financial institution you registered with at the CFPB. 

My account was deactivated without just cause and my money is being withheld.

Cash App refused to allow me to speak with a Manager to inquire about the closure, my funds and the Exact Details about any alleged violations. My legal representative is also requesting from Cash App proof of these accusations. I am requesting a phone call from Cash App within 48 hours otherwise we will have to move forward with action. 

XXXX XXXX There has been no response, no requested evidence or proof of wrongdoing on my part, nor access to my funds. My debit card is deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: WA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief