vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I am writing to formally dispute the following inaccuracies on my credit report. After reviewing my credit report, I found that certain information is incorrect or incomplete, and I am requesting that these discrepancies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXXXXXX XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} INQUIRIES XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX : XXXX XXXX XXXX  : XXXXXXXX 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 2025-12-15 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: NJ

Complaint narrative:
Certain accounts listed on my credit report are not mine and were added without my knowledge or approval. I request an immediate investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My vehicle was wrongfully repossessed by a recovery vendor acting on behalf of GM Financial, and the repossession was conducted illegally and with a breach of the peace. 

On XX/XX/XXXX, a recovery agent hired by GM Financial entered my private property without permission, attached to my vehicle without verifying the VIN or license plate, refused multiple demands to leave, and threatened to break into the vehicle. When I objected, the agent continued the repossession attempt, which is prohibited under Florida law and industry standards requiring repossessions to occur without a breach of the peace. 

The agent created a disturbance that required police to respond. Despite my objection, he ultimately forced entry into the vehicle and took possession of it, while preventing me from retrieving personal property. GM Financial is responsible for the conduct of its repossession agents, including trespass, property damage, coercive behavior, and breach-of-peace repossessions. 

On XX/XX/XXXX, when I went to XXXX XXXX tow lot, their employees refused to identify themselves, attempted to force me to sign a blanket liability waiver, restricted my ability to view or photograph documents, and refused to accept a legal evidence-preservation notice until a Sheriffs deputy intervened.

These actions violate federal consumer protection laws, including UDAAP prohibitions ( 12 U.S.C. 5531, 5536 ) and FDCPA 1692f ( 6 ), as well as Florida Statutes 493.6404 and 559.72.

GM Financial was previously sanctioned by the CFPB for wrongful repossessions and inadequate oversight of repossession vendors ( CFPB 2022 Consent Order ). This incident appears consistent with ongoing compliance failures.

I am requesting that the CFPB : Require GM Financial to provide all documentation authorizing the repossession Investigate whether the repossession violated UDAAP, FDCPA 1692f ( 6 ), and the 2022 CFPB order Require GM Financial to correct any errors, reverse fees, and compensate for damages Review GM Financials oversight of XXXX XXXX XXXX Ensure no further wrongful repossession activity occurs I can provide photos, videos, witness information, police reports, and documentation from the tow yard upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 misleading 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America is claiming it can not verify my income while simultaneously enforcing and benefiting from that same income, causing ongoing and immediate financial harm. 

Specifically : {$1600.00} is being deducted from my paycheck every two weeks pursuant to a XXXX-related wage deduction. 
At the same time, Bank of America is accepting and posting mortgage payments, including a payment posted on XX/XX/year>. 
Despite this, Bank of America ( through its servicing process and authorized intermediary ) asserts that my income can not be verified due to a third-party verification limitation. 

These positions are mutually inconsistent. A financial institution can not lawfully claim an inability to verify income while : 1. Enforcing wage deductions derived from that income ; 2. Accepting and applying mortgage payments funded by that income ; and 3. Continuing to administer an active mortgage account. 

I attempted to resolve this issue directly. However, I was informed that I am not permitted to communicate directly with Bank of America regarding verification, leaving me procedurally blocked while deductions continue. As a result, I am experiencing repeated financial harm every pay period with no meaningful avenue to cure the alleged verification issue.

I have provided documentation, including : Pay stubs showing the ongoing wage deductions ; XXXX  documentation authorizing those deductions ; and Bank of America confirmation showing receipt and posting of mortgage payments. 

These documents demonstrate that my income is known, ongoing, enforceable, and verifiable, yet Bank of America is selectively treating it as unverifiable for review purposes. 

I am requesting that the CFPB investigate : Whether Bank of America is engaging in inconsistent or improper servicing practices ; Whether income verification procedures are being misapplied or selectively enforced ; Whether continued wage deductions are lawful while verification is disputed ; and What corrective action is required to stop ongoing financial harm and resolve this matter. 

This issue is active, ongoing, and results in repeated financial injury every two weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I have emailed called and chatted with support for 3 hours pertaining my transfer to another wallet. No success

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
I made a XXXX  payment that later became subject to an external dispute filed with my bank, XXXX. 

The dispute was officially closed by XXXX on the XXXX XXXX and the amount was {$1100.00}, and XXXX confirmed that the funds were returned to XXXX. XXXX also provided me with a dispute closure letter and reference number, which I submitted to XXXX. 

Despite providing all documentation showing that the dispute is fully resolved and that the funds are already with XXXX, XXXX  has not released the funds to the intended recipient and has not provided a clear explanation or timeline for resolution. 

I have contacted XXXX  multiple times, requested confirmation that they received the returned funds, and requested a timeline for releasing the money. XXXX  has not provided this information and continues to hold the funds without resolution. 

I am requesting that XXXX  promptly resolve this issue by releasing the funds to the intended recipient or otherwise completing the transaction, as the external dispute has been fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: MA

Complaint narrative:
I called the bank and asked the guy to send me my bank statements going back to when I opened the account he said those statements were available but then he asked me a bunch of questions and told me I got the answers wrong even though I know I answered the questions right they are doing everything they can to keep me from accessing my money at any given moment and still are requiring me to call the bank and make them put my deposit available into my card every month as I told you before it was not properly fixed plus there is an additional {$100.00} I have disputed and they said I was wrong even though the man show me a product that made my phone battery drain I told him it did he told me to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I never got that money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OK

Complaint narrative:
Payments showed they were in forbeance, showed as current up until this month ( XX/XX/year> ) They then reported it to the credit bureaus as 90 or more days late. The report caused credit to drop over 150 points. I spoke to a Nelnet advisor, and they informed me that they had sent mail and emails, I never got either form of communication. I have emails from them stating new loan programs and that is it. After speaking to them they are saying that they had been sending me communication regarding that to my mailbox on the account however that never sent me any info elsewhere. I am not looking to have the loan forgiven or even a settlement amount. I can pay the monthly payment or the full amount ; I would just like the credit damaging report taken off my credit profile. I am not sure how they expect anyone to know when payments will resume if the only way to know is checking your nelnet account inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy - Citi Card Despite my responding " NO it wasn't me '' to Best Buy 's notification of a {$4300.00} purchase being attempted, someone accessed my account and placed order on XX/XX/year>. They were successful in picking up item from store on XX/XX/year> and a shipment to a home address on XX/XX/year>. I did not realize a part of the transaction went through until the balance on the account showed up on my credit report. 
After calling both Best Buy and Citi, the card was cancelled and a new one issued. I've requested documentation in the form of a letter from Citi Card and/or Best Buy that the fraud occurred and that the issue with the unauthorized access was resolved. Phone agents with both companies said that wasn't possible. 
I'm being asked for this documentation as part of an identify theft insurance claim.

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 monetary relief
Consumer complaint received 2025-12-15 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: TN

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. The accounts are being reported incorrectly by the credit reporting agencies and I am requesting an investigation and correction of the errors in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief