vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
The credit bureaus are reporting accounts, inquiries, and personal information that violate FCRA Accuracy rules. The negative accounts contain conflicting dates, balances, and statuses across all three bureaus, proving they were not verified with the original creditor. The bureaus are using automated systems instead of real verification. Several inquiries were not authorized, and my personal information is incorrect and duplicated. I am requesting the CFPB to require full deletion of all unverifiable accounts, removal of unauthorized inquiries, correction of personal information, and a real reinvestigation as required under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: OH

Complaint narrative:
The credit bureaus are reporting accounts, inquiries, and personal information that violate FCRA Accuracy rules. The negative accounts contain conflicting dates, balances, and statuses across all three bureaus, proving they were not verified with the original creditor. The bureaus are using automated systems instead of real verification. Several inquiries were not authorized, and my personal information is incorrect and duplicated. I am requesting the CFPB to require full deletion of all unverifiable accounts, removal of unauthorized inquiries, correction of personal information, and a real reinvestigation as required under FCRA 611.

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 2025-11-23 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> my device was stolen from me and my money on cash app was transferred to another cash app account. XXXX I was assigned a Detective XXXX from the XXXX XXXX police department in XXXX XXXX Texas and she SUPEANAD Cash App for the records and when she finally got the records back it was PROVEN THAT I was a victim of " THEFT FROM PERSON '' which means when someone else takes your Device, Money or WALLET WITHOUT YOUR CONSENT OR YOUR PERMISSION OR KNOWLEDGE. The Detective XXXX has XXXX of the XXXX suspects in jail at the XXXX XXXX XXXX XXXX off XXXX XXXX XXXX in XXXX Texas, she's the mother of XXXX XXXX who she sent the {$10000.00}. And her XXXX XXXX XXXX. 
Her Name is XXXX XXXX XXXX a.k.a. XXXX XXXX. She's in custody right now, and the detective has gone to the XXXX XXXX XXXX and they are filing the charges on all XXXX people. And I want my money back, I had a XXXX XXXX because of all of this in XXXX and I was admitted XXXX XXXX XXXX 's hospital in XXXX Texas on XXXX XXXX thru the XX/XX/XXXX. Then I lived in a tent in the woods with my XXXX dogs because I was evicted from my home and lost everything I had. Lost my vehicle and my job. On XX/XX/XXXX I was back in the hospital for a XXXX XXXX and stayed from XX/XX/XXXX to XX/XX/XXXX. All because I was sleeping in the woods. I have had SEVERE XXXX and Suicidal Thoughts, please give this new information to Cash App. 
I deserve my money back now that it has been proven that I was stolen from ALL OF THE MONEY I HAD!!!!!! 
They ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I am submitting this formal complaint regarding an unverified and inaccurate debt reported to XXXX  by American Honda Finance in the amount of {$37000.00}. 

I discovered this account on my XXXX  credit report ; however, I have never received any communication, notice, validation of debt, billing statement, or collection attempt from American Honda Finance prior to this credit reporting. This includes written correspondence, electronic notifications, or phone calls. 

This raises serious concerns about the furnishers compliance with federal law, including : Failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692c, debt collectors are required to follow proper and lawful communication practices.

Reporting a debt to a credit bureau without making any attempt to contact me or validate the debt constitutes improper collection activity.

Potential violation of the Fair Credit Reporting Act ( FCRA ) Furnishers are required under 15 U.S.C. 1681s-2 to ensure the accuracy and completeness of information provided to consumer reporting agencies. 

Reporting a debt without validation or prior notice results in inaccurate and unverifiable information being added to my credit file. 

XXXX obligation to report only verified and accurate information My dispute was filed on the basis that this debt has never been validated, and no documentation has been provided to confirm that this account belongs to me or that any legally required communication was ever sent. 

I respectfully request that the CFPB : Investigate American Honda Finance for improper reporting and failure to follow FDCPA communication requirements. 

Review XXXX  handling of this account and ensure that only verified, accurate information remains on my credit file. 

Require the immediate removal of this unverified account if the furnisher can not provide proof of notice, validation, and lawful communication. 

Thank you for your attention to this matter. I request written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MN

Complaint narrative:
I am a survivor of XXXX XXXX and an individual with permanent mental health disabilities as defined under the ADA and FCRA 605C. I am submitting this complaint regarding multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Constitutional protections, and consumer rights by the credit bureaus TransUnion, XXXX XXXX XXXX, as well as the furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Summary of Violations and Demands : XXXX. Reporting of invalid child support debts by XXXX XXXX XXXX XXXX, which are actively under appeal ( Case No : XXXX ) and subject of a federal lawsuit for civil rights violations including unlawful garnishment of Social Security XXXX. These actions use my XXXX and trauma history as coercive mechanisms to induce debt under color of law. 
XXXX. XXXX XXXX XXXX and XXXX XXXX continue to show derogatory trade lines despite the debt being paid in full, as evidenced by a lien release and final payment of {$27000.00}. Documentation attached. 
XXXX. XXXX XXXX and XXXX XXXX are reporting inaccurate balances and derogatory statuses on paid-off accounts, with documentation attached showing full payoff and closure. 
XXXX. The credit bureaus have failed to suppress, mark as disputed, or remove these items despite prior requests, supporting documentation, and multiple FCRA and CFPB rule violations. 
I have been through this process with them for several years, even made phone calls, and they still refuse to complete a thorough investigation even when presented with evidence.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
it a account on my credit report that never open I send the a debt validation letter to the company, the company have never responded it has been over 30 days according to the fdcpa I have the right to ask for verify and if the company can't provide the necessary proof it must be removed from my credit report, I also include a identity theft 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 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for an income driver repayment plant on three occasions and all applications were processed and completed but the loan provider nelnet keeps putting my plan back in standard repayment which is affecting my payment and interest accrual. When I call they say it will go through but it has been a year and a half and it has not shown as completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered accounts being reported in my name that I did not authorize, open, or sign for. I requested documentation proving my consent, a valid contract with my signature, and proper transfer of title or ownership into my name, but none has been produced. Instead, the furnisher continues to report data as if I am contractually obligated when no verified agreement exists. I disputed multiple times and requested reinvestigations, yet the company repeatedly verified information without providing evidence, causing reputational damage and financial harm. Reporting unverified accounts without proof of authorization is inaccurate and constitutes identity-related account misuse.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered accounts being reported in my name that I did not authorize, open, or sign for. I requested documentation proving my consent, a valid contract with my signature, and proper transfer of title or ownership into my name, but none has been produced. Instead, the furnisher continues to report data as if I am contractually obligated when no verified agreement exists. I disputed multiple times and requested reinvestigations, yet the company repeatedly verified information without providing evidence, causing reputational damage and financial harm. Reporting unverified accounts without proof of authorization is inaccurate and constitutes identity-related account misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC for reporting a collection account on my credit report without providing proof that the alleged debt belongs to me. 
Account Information : Collector : Jefferson Capital Systems , LLC Original Creditor : XXXX Reported Balance : {$2500.00} Balance Updated : XX/XX/year> Jefferson Capital is furnishing information to the credit bureaus without verifying the accuracy or legitimacy of the alleged debt. This violates multiple sections of federal consumer protection laws. 
Violations of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 et seq. ) : FCRA 1681s-2 ( a ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 1681s-2 ( b ) : A furnisher must conduct a reasonable investigation and provide verification when a consumer disputes a debt.

FCRA 1681e ( b ) : Credit reporting must be accurate, complete, and verified before being reported.

FCRA 611 ( 15 U.S.C. 1681i ) : Unverified or inaccurate information must be deleted. 
Jefferson Capital has failed to provide any proof that this debt belongs to me, has not shown documentation from XXXX, and continues to report the account anyway. 
Violations of the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 et seq. ) : FDCPA 1692g ( b ) : A debt collector must cease all collection activityincluding credit reportinguntil the debt is validated.

FDCPA 1692e : False, misleading, or unverified reporting constitutes an unlawful collection practice. 
Jefferson Capital has not validated the debt and continues to report it, causing ongoing harm to my credit profile. 
Requested Action : Require Jefferson Capital Systems to provide full validation of the debt, including original documentation from XXXX, an itemized breakdown, and a complete chain of title. 
If they can not validate the debt, require immediate deletion of the account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 
Investigate Jefferson Capital Systems for furnishing unverified information in violation of federal law. 
Timeframe Requested : I request a response and resolution within 5 days, as the continued reporting of an unverified debt is causing ongoing harm. 
Certification : I certify that the information I have provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-23 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the Method of Verification for items you claim were verified as accurate during your reinvestigation associated with the above confirmation number. This request is made pursuant to : Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) & 1681i ( a ) ( 7 ) Texas Business & Commerce Code 20.06 The items requiring verification include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX Account : * XXXX Status : Charged-Off ; Consumer disputes after resolution XXXX XXXX XXXX XXXX Accounts Multiple tradelines with derogatory reporting XXXX XXXX XXXX XXXX XXXX Revolving Credit Card Excessive/high utilization accuracy questioned Required Legal Disclosures Under FCRA and Texas law, I request : The name, address, and telephone number of each furnisher contacted Detailed description of the procedure used in your verification Original documentation supporting the debt and your reinvestigation Proof that each account is reporting 100 % complete and accurate as required by FCRA 1681e ( b ) A response stating an automated e-Oscar or electronic data match is not sufficient proof of compliance.

If you can not provide the documentation required to legally verify the disputed information : You are required to delete the account ( s ) from my consumer report 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Required Response Time Texas law requires you to respond to this request within 15 days of receipt.

( 20.06 Texas Business & Commerce Code ) Please mail your full written response to the address above.

This letter is not a refusal to pay any legitimate debt. It is a demand that XXXX  comply with federal and state law regarding the accuracy and verifiable reporting of consumer information. 

Thank you for your cooperation

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 2025-11-23 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: IL

Complaint narrative:
This complaint concerns systemic FCRA, Metro-2, and USC violations by Experian, Equifax, TransUnion, and XXXX XXXX XXXX  XXXX XXXX All parties are reporting materially inconsistent, inaccurate, and unverifiable information, resulting in financial harm, credit denial, and emotional distress. 


-- - Issue 1 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Each CRA reports different data for the same account : Different open dates Different status updated dates Different balances Conflicting payment histories ( TU has none ; EXP has 10 months ) Conflicting dispute notations This violates : FCRA 1681e ( b ) FCRA 1681i FCRA 623 ( a ) Metro-2 -- - Issue 2 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Similar violations as above across all three CRAs. 


-- - Issue 3 : Inquiry Reporting Violations Experian reports inquiries not listed on Equifax or TransUnion TransUnion reports zero inquiries Equifax reports three additional inquiries This proves information is being reported : Inaccurately Incompletely Without permissible purpose ( FCRA 604 ) -- - Damages Requested Total damages : {$79000.00} for willful and negligent violations under 15 USC 1681n and 1681o.

Requested CFPB Action I request the CFPB to order : Deletion of all inaccurate data Enforcement against the CRAs and XXXX XXXX Compensation for statutory and actual damages

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 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I owe {$87.00} a month for a solar panel system install with Dividend, a division of Fifth Third Bank. I set up automatic bi-weekly payments of {$45.00} each, this totals {$90.00} a month in payments. This was fine for 7 months, but then the company stopped applying my automatic payments to the due balance. They took my payments, did not apply them, then are blaming me for being delinquent on payments. I have contacted the customer support several times, and they identify the problem with the payments and say they will fix it and I don't owe anything at the moment, but they end up not actually fixing it. They are now saying I'm 10 days Delinquent, while also not fixing the issue with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I have a bunch of hard/soft inquires on my credit report for credit cards ive never owned or tried to get. I was jumped and robbed from my personal information such as social and id cards in XXXX of 2024, and ever since then i been getting a lot of charges, credit pulls, and a bunch of fraud on my accounts.

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