vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SLM CORPORATION
State: MD

Complaint narrative:
Was approved for Borrower Defense Discharge after the lawsuit. XXXX  sent me a refund payment for personal loans and I received confirmation that Sallie Mae loans are included. I disputed the info with Sallie Mae and they only removed one of the loans. The other they are still reporting as charge off and have now sold it to XXXX collection agency who is double reporting this debt I do not owe. I was misled by my school into a private loan, and Sallie Mae is improperly denying my discharge request. They should be held accountable for deceptive practices for purposely selling non existent debt to a collection company ( XXXX XXXX ). If in error, the second loan was not removed, since it has been sold to a collection company it has been a battle to have it removed off my account.XXXX XXXX responded to first complaint stating they do not have my information and should contact the collection agency directly. The second complaint they fabricated data about my account which all of a sudden they have records. This account will fall off in XXXX of XXXX  but for the sake of the principal, I am persistent and will offer them one more chance to remove this bad debt off my report. Thank you in advance for your time and kind response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting, improper collection activity, unlawful repossession, unlawful forced deposits, and failure to validate alleged debts. 

This is an official notice that multiple Respondents ( Credit Bureaus, CarMax, and any related debt collectors ) have received or will receive formal documents by certified mail, including : Notice of Liability Notice of Default Affidavit of Truth Administrative Record Package ( Remittance Coupons, Fraud Notice, Informative Notice, request for XXXX issuance, FTC Identity Theft Report, Police Report, and all prior dispute communications ) XXXX and XXXX filings already recorded Confirmation from the U.S. Department of Treasury regarding the status of securities Trust and Executor/Beneficiary notifications previously served and ignored I am not uploading my trust or XX/XX/XXXXrelated documents for privacy and security reasons. I am confirming they exist, were properly recorded, and form part of the administrative record. 

The Respondents have ignored every lawful request for validation, failed to provide a contract, verified accounting, purchase agreement, or wet-ink signature, and continued to report or collect on accounts without lawful verification. CarMax and related collectors also engaged in unlawful repossession and forced deposits without lawful authorization. 


-- - Damages Claimed Due to willful noncompliance, negligence, unlawful repossession, unlawful forced deposits, emotional distress, and continued publication of false information, I am claiming the following damages : FCRA Violations {$1000.00} per violation FDCPA Violations {$1000.00} per violation Defamation / False Credit Reporting {$25000.00} Emotional Distress and Hardship {$10000.00} Punitive Damages for Willful Misconduct {$50000.00} Unlawful Repossession {$10000.00} Unlawful Forced Deposit {$5000.00} Total Damages Claimed : {$96000.00} and increasing daily until the matter is corrected.

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: The CBE Group, Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX is attempting to collect and report a debt without providing proper validation. I requested verification of this account, but they did not send any documentation that proves this debt belongs to me or that they have a legal right to collect it. 

XXXX continues to report inaccurate information to the credit bureaus without validation, which is a violation of the FDCPA and FCRA. They have failed to provide a signed contract, full accounting, itemized statements, or any proof tying me to this alleged debt. 

I am requesting that XXXX fully validate this debt or remove all reporting and collection activity immediately.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681C-2 and I need these accounts blocked and removed off my credit report as soon as possible. XXXXXXXX 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 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

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple inaccurate, inconsistent, and unverified items that are damaging my creditworthiness and violating my rights under the FCRA, including 611, 623 ( a ) ( 2 ), 623 ( b ), 604 ( a ), and 605 ( a ). Experian is reporting incorrect addresses, including XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, along with an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I never approved, which raises concerns regarding permissible purpose under 604 ( a ). Equifax is listing addresses I have never lived XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also reporting accounts from Farmers XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that show conflicting dates of last activity, outdated information, and potentially inaccurate DOFDs in violation of 623 ( a ) ( 5 ) and 605 ( a ). TransUnion is reporting incorrect addresses such as 532 XXXX XXXX, GA XXXX and XXXX Florida XXXX, GA XXXX, as well as a collection account from PROF DEBT for the original creditor XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent dates, unclear balance validation, and potential violations under FDCPA 807, 808, and 809 due to lack of proper validation and misleading reporting. These errors across all three bureaus have created a false financial profile that misrepresents my identity and obligations, and despite my disputes, the information continues to appear without proper verification, violating their obligations to ensure accuracy under 607 ( b ). I am requesting the CFPB to review these discrepancies and hold Experian, Equifax, TransUnion, and the involved furnishers accountable for failing to delete inaccurate information as required under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and inconsistent items reported on my credit reports by Experian, Equifax, and TransUnion, which have caused significant harm to my creditworthiness. My addresses are incorrectly reported across all bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Experian ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Equifax XXXX and XXXX XXXX, XXXX, GA XXXX and XXXX XXXX, XXXX, GA XXXX XXXX TransUnion. Accounts also contain multiple errors : Child Support Enforcement XXXX XXXX XXXX XXXX XXXX  is reported with a {$0.00} balance in Experian and Equifax, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as {$0.00} in Experian and TransUnion but {$120.00} in Equifax, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inconsistently reported in balances and dates of first delinquency, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX balances {$850.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} ), AR XXXX ( XXXX GEORGIA EMERGENCY XXXX {$1100.00}, XXXXXXXX XXXX XXXX {$1100.00} ), XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) at {$210.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) at {$120.00}, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) XXXX and XXXX ( XX/XX/XXXX ) are all inaccurately reported, duplicated, or contain incorrect balances and delinquency dates. These errors violate multiple FCRA provisions, including 605 ( a ) regarding obsolete information, 605B regarding identity theft, 607 ( b ) regarding credit bureau obligations to maintain accuracy, 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) requiring furnishers to report accurate information and investigate disputes, and 623 ( b ) regarding duty to investigate. Additionally, the inconsistent reporting, misleading balances, and duplicate accounts violate FDCPA 807, 808, and 809 regarding false representations, unfair practices, and debt validation 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I previously submitted a written dispute to BARCLAYS BANK DELAWARE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BARCLAYS BANK DELAWARE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BARCLAYS BANK DELAWARE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure BARCLAYS BANK DELAWAREs immediate compliance with FCRA requirements. 

BARCLAYS BANK DELAWARE 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 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 status incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have made my payments on time and have spoke to representatives about payment issues with the app and still was marked late twice

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
COLLECTION : I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I tried to make a withdrawal on XX/XX/year>, and the ATM Did not dispense the money.lnor gave a receipt. Yet XXXX was drafted. I disputed it with chime, and explain to them that the local XXXX has been chime ATM and yet and still the money did not dispense. They asked if I contacted the merchant about it and I confirmed in which they told me give it up to XXXX business days it would go back to my account to no avail. Good enough {$53.00} was stolen last month and I'm on dispute my claim was denied and shine claim that they put the {$53.00} back on my account but did not, and could not prove that they did because it did not reflect on my side and they claimed that it showed or theirs. They told me that being the machine is a chime machine, they would easily be able to resolve the issue. Now they're telling me that it's a strong possibility that I will not retrieve my money but being that I'm eligible for a temporary credit it would be posted. That didn't make sense to me. The phone hangs up in my face on purpose so now they are giving me the runaround and when I ask remember services supervisor, they make me hold on for long periods of time and then the phone hangs up again. They have been stealing from me at least once a month now and refuse to refund any of it. I'm on fixed income I do not have the money for them to be taking or allowing to get taken. There was a lady who stole over {$2000.00} from a previous account that I had while I was incarcerated and would pass the money through my chime account to get to hers and every time it was drafted it was from XXXX transfer rather than the debit card. XXXX had no bless allowing so many transactions without raising a question. Especially when through the dispute with the other financial agency particularly shows her name. Nothing happened. Someone has to stop those people. Every time you talk to them they tell you about a system generated thing so in computer controls everyone 's fate there and there is nothing no one working for chime can do for you. I'm tired of it. I want my money back immediately and it's bad enough my life insurance has been canceled due to XXXX payment in which myself and my grandchildren or on a policy due to chimes negligence.

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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a charge-off with contradictions in balance history, status updates, and payment history. The reported balance randomly drops to {$0.00} without any settlement or payment. The charge-off month does not match the status update month, and the payment history is inconsistent with the loan timeline. 

I disputed this with the credit bureaus, but they verified the account without providing the method of verification, original contract, or accounting ledger. 

This violates : FCRA 1681e ( b ) 1681s-2 ( a ) 1681i ( a ) ( for reinvestigation standards ) I am requesting that XXXX XXXX be required to let that the account be deleted as unverifiable.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate entries on my credit file that do not reflect my verified payment history or true account status. These errors have created a misleading picture of my creditworthiness and require immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
The first set of disputes concerns XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$34000.00}, is reported with a XXXX late in XX/XX/XXXX. My records, including bank statements and payment confirmations, clearly show that all payments were made on time, and no delinquency occurred. The reporting of this late payment is therefore inaccurate and misleading. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$410000.00}, opened XX/XX/XXXX and last activity on XX/XX/XXXX, is reported with multiple late payments : XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, as well as a XXXX late in XX/XX/XXXX. Each of these late notations conflicts with my verified payment records, which confirm full and timely payments. Such misreporting creates a false narrative of financial irresponsibility, which could adversely impact my ability to obtain credit or favorable loan terms. Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$24000.00}, opened XX/XX/XXXX, is incorrectly reported with XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, These errors violate FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of all consumer information, FCRA 611 ( a ), granting consumers the right to dispute inaccurate or unverifiable information, and FCRA 623 ( a ) ( 2 ), obligating furnishers to correct inaccuracies once identified. 
The second paragraph concerns a Late Closed account. XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$3900.00}, has been tied up and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX up incorrectly. While the account is closed and paid, it continues to reflect unresolved reporting, potentially implying delinquencies that never occurred. My payment history confirms all obligations were met prior to closure, yet the reporting fails to accurately represent this. This misreporting negatively affects my credit profile and is inconsistent with legal requirements under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), which mandate that all information be complete, accurate, and verified. I request that this account be corrected to reflect its proper closure status and verified history, including the removal of any false late payment notations.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate entries on my credit file that do not reflect my verified payment history or true account status. These errors have created a misleading picture of my creditworthiness and require immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
The first set of disputes concerns XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$34000.00}, is reported with a XXXX late in XX/XX/XXXX. My records, including bank statements and payment confirmations, clearly show that all payments were made on time, and no delinquency occurred. The reporting of this late payment is therefore inaccurate and misleading. Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$410000.00}, opened XX/XX/XXXX and last activity on XX/XX/XXXX, is reported with multiple late payments : XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, as well as a XXXX late in XX/XX/XXXX. Each of these late notations conflicts with my verified payment records, which confirm full and timely payments. Such misreporting creates a false narrative of financial irresponsibility, which could adversely impact my ability to obtain credit or favorable loan terms. Additionally, XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$24000.00}, opened XX/XX/XXXX, is incorrectly reported with XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, These errors violate FCRA 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of all consumer information, FCRA 611 ( a ), granting consumers the right to dispute inaccurate or unverifiable information, and FCRA 623 ( a ) ( 2 ), obligating furnishers to correct inaccuracies once identified. 
The second paragraph concerns a Late Closed account. XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$3900.00}, has been tied up and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX up incorrectly. While the account is closed and paid, it continues to reflect unresolved reporting, potentially implying delinquencies that never occurred. My payment history confirms all obligations were met prior to closure, yet the reporting fails to accurately represent this. This misreporting negatively affects my credit profile and is inconsistent with legal requirements under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), which mandate that all information be complete, accurate, and verified. I request that this account be corrected to reflect its proper closure status and verified history, including the removal of any false late payment notations.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
I called there customer service number requesting to pay off {$1400.00} in full and asked what the current balance is on XX/XX/year>. They told me I owed {$1300.00} which doesnt make sense because Ive paid {$240.00} on XX/XX/year> and they processed a payment of {$240.00} to come out tomorrow XX/XX/year>. I asked how can the balance be only a few dollars off if Ive already made XXXX payments and they refused to help me. I asked to speak to a supervisor and got put on hold for XXXX minutes and was then told there was none available to speak to me and I asked them to let me pay it off now and he told me he cant because a payment was processing so I asked them to cancel the processing payment so I can pay it In full and he refused.

Company response to consumer: Closed with explanation