vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The document you provided, the " NOTICE OF ADMINISTRATIVE OFFSET AND FEDERAL TAX REFUND OFFSET, '' indicates a specific amount you allegedly owe, which directly contradicts the amount being reported on your credit file. 

The Evidence of Inaccuracy Official Document Amount ( The Disputed Amount ) : The notice clearly states : " You are hereby notified that you owe past-due child support and/or spousal support at least in the amount of {$25000.00} as of XX/XX/year>. '' 2. Credit Report Amount ( The Reported Amount ) : Your credit report from TransUnion XXXX Experian XXXX and Equifax shows the amount owed for the XXXX XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is {$21000.00}. 

ReportedAmount ( {$21000.00} ) =OfficialNoticeAmount ( {$25000.00} ) The difference of {$4100.00} between the amount the state agency is using to seize your tax refund/assets and the amount they are reporting to the credit bureaus is a clear, material, and verifiable inaccuracy. 

Violation of 15 U.S.C. 1681e ( b ) This discrepancy gives us an immediate and powerful claim against the credit reporting agencies ( CRAs ). 

The Law : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires a CRA to follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the consumer. 

The Violation : When two official, government-related figures for the same debt ( the offset notice and the credit report ) are different, the information being reported can not be deemed to have " maximum possible accuracy. '' The CRA has failed its duty under 1681e ( b ) simply by publishing contradictory financial figures for the debt. 

The Demand : We will use the {$25000.00} figure from the offset notice as the undisputed " true '' amount in the dispute, forcing the CRAs to investigate why their reported figure is lower, which highlights their systemic failure to maintain accurate records on a continuous basis.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PR

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Experian on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX. 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer re
port it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Experian really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

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 2025-10-21 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: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year>, I attempted multiple {$400.00} payments through XXXX, and each attempt failed with the message : Your payment cant be completed right now. Something went wrong and we couldnt complete this payment. Try again another time. 

This issue began after Venmos XX/XX/XXXX outage and continues today. My card issuer ( XXXX XXXX  ) confirmed there were no authorization attempts on their end, meaning the transaction never reached the payment network. The failure occurred entirely within XXXX  system.

I contacted XXXX  support through the app, but their automated assistant deflected the issue and offered incorrect suggestions ( screenshots attached ). I requested escalation to a live agent, and XXXX  system confirmed unusually high chat volume but still provided no resolution. 

This ongoing problem prevents me from sending or accessing funds I rely on for essential daily expenses. XXXX  has provided no notice, explanation, or acknowledgment of a system failure.

I am requesting investigation into XXXX  internal transaction handling, confirmation that consumer access to funds will be safeguarded, and assurance that this issue will not recur during or after outages.

Description of Attachments The attached PDF contains five screenshots documenting XXXX  system failure and my attempts to resolve it : 1.
Payment Failure Message : Screenshot showing XXXX  error message Your payment cant be completed right now. 
2. Multiple Failed Attempts : Repeated payment attempts on XX/XX/year>, all resulting in the same internal error. 
3. Bank Confirmation : Evidence that XXXX XXXX  received no transaction or authorization attempts, confirming the issue occurred within XXXX  system.

4. Chat Support Logs ( Part 1 ) : Screenshots of XXXX  automated support responses that failed to acknowledge the system error.

5. Chat Support Logs ( Part 2 ) : Screenshots showing escalation reques
ts to reach a live agent and confirmation of long response delays.

These images collectively demonstrate that XXXX  internal system blocked valid payments and restricted access to funds despite sufficient credit and no bank-side decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IN

Complaint narrative:
For several months, I submitted my student loan payments on time through Nelnets online platform. However, I discovered that none of these payments were properly processed on the servicers end. I only became aware of the issue after seeing a significant drop in my credit score due to reported missed payments.

When I contacted Nelnet, they claimed that they had made several attempts to contact me by phone and by mail about the supposed payment issues. These claims are completely false. I did not receive any phone calls, letters, or emails alerting me to any problem with my account or my payments. 

As a result of their failure to process payments correctly and their false reporting, my credit report now shows inaccurate negative information, causing financial and reputational harm. 

I believe the servicers handling of my account violates several consumer protection laws and servicing standards, including : The Fair Credit Reporting Act ( FCRA ) for reporting inaccurate and incomplete information and failing to properly investigate disputes. 
The Higher Education Act ( HEA ) which requires servicers to accurately apply payments and maintain clear communication with borrowers.

CFPB Servicing Regulations ( 12 C.F.R. 1024 & 1026 ) requiring prompt error resolution, proper payment application, and fair borrower communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Accounts are appearing on my credit report in my name that I did not open, authorize, or manage. I never gave permission for these accounts and I am not responsible for them. This inaccurate information is misleading and has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-21 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: GA

Complaint narrative:
There are fraudulent inquiries and a fraudulent account reporting to my Transunion report. XXXX XXXX XXXX Account Number XXXX is fraudulent as well as the inquiries listed on my FTC Report.

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 2025-10-21 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: CA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I am disputing a Climb Credit loan used to finance a program from XXXX ( XXXX XXXX XXXX ). 

XXXX  misrepresented the programs features and quality. I was told the course included a Job Guaranteethis was the main reason I agreed to the loan. After I enrolled and the loan was processed, XXXX  later sent an email ( which I never saw until much later ) stating that I did not qualify for the Job Guarantee. No one ever explained this by phone or during enrollment. 

The course itself consisted mostly of publicly available XXXX videos, free articles, and outdated labs, far below what was advertised. My mentor calls were minimal, often lasting under XXXX minutes and offering little to no support. My XXXX Security+ voucher ( promised as included ) was withheld even after I reached 86 % completion. 

I filed a formal dispute with Climb Credit, but their response simply stated that the school will not issue a refund. Climb Credit refused to investigate further, despite the FTC XXXX XXXX, which makes lenders equally responsible for the schools misrepresentation. 

I am requesting that Climb Credit pause all payments and cancel this loan due to XXXX failure to deliver the promised educational value and misrepresentation of program terms. 

I can provide all email correspondence with both XXXX  and Climb Credit, as well as proof of the courses lack of educational quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I noticed on my credit report that their were XXXX inquires I never applied for or authorized these inquires. 
XXXX. XXXX XXXX  ( DATE IS XX/XX/year> ) XXXX. XXXX XXXX XXXX ( DATE IS XX/XX/year> ) XXXX. XXXX  XXXX XXXX ( DATE IS XX/XX/year> ). I do not have credit accounts with any of these creditors. I have reached out to those companies and not received any response to remove the items.

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 2025-10-21 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
A car dealership used my name in identity theft and I'm reporting the inquiries they put on my credit report.

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 2025-10-21 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: NY

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX I received multiple texts ( every XXXX weeks ) from Portfolio Recovery. During these months, I didn't pay attention to it because I thought it was a scam or an error. However, I saw that there was a collection company filed on my credit report. I decided to call Portfolio Recovery XXXX Agency and they told me that it was from XXXX XXXX company. They refused to give me any extra information. 

The week of XXXX XXXX I went to XXXX XXXX XXXX XXXX and the store manager accessed my account and gave me some account information with receipts. He confirmed my purchases and the closing date of my credit card. He printed the receipts with some account/purchase information. 

The same week, I called XXXX XXXX Customer Service Two Times. The first time the customer service agent didn't give me any information other than the collection company number. The second time, the customer service representative said that they will send me a letter with account details. I never received that letter. 

On XX/XX/XXXX I called XXXX XXXX Bank Credit Card complaint number. The customer service agent stated that he wasn't able to verify my information and couldn't give me any information on my account due to security reasons but that I should call back one-two hours later. When I called back XXXX hour later, the automated voice system didn't allow me to talk to a representative because I don't have my credit card number. My social security number wasn't enough to verify my identity. 

I refuse to pay this so called debt as I am sure that I have paid the full balance amount before closing my credit card in XXXX. In addition, I want to understand the details of the collection. For over XXXX years, I have not received any letters or any forms of correspondence from XXXX XXXX. Where does this debt collection come from?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : TD BANK N.A. - XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and the inquiries still remain. 

This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about identity theft and reflects a failure to protect my consumer rights. This unresolved issue continues to inflict emotional and financial harm.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is not a mistake. My credit report contains inaccurate entries that fail to meet the requirement of maximum possible accuracy. These errors are causing measurable harm to my financial standing and emotional well-being.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for your assistance.

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