vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
They are reporting several accounts late on my report and i never been late on my credit report I been asking them now for 4 months now and no one is taking this seriously this has stressed me out and has become a big problem, I take my credit serious and its no way I would not make a payment, You can't be showing I'm 180 days late when that's not true because i was in forbearance and then they debit out of my account now the loan is sold and they are affecting my dad credit as well he has nothing to do with this it's not right when I'm paying on time and i get this kind of services, They make everything so confusing I've done everything the right way and I'm still getting affections my credit Here are the statements I gathered. I paid manually on XX/XX/XXXX, had auto pay setup. Auto pay went out on XX/XX/XXXX, and it was also supposed to go out on XX/XX/XXXX, but the new lender paid it off on XX/XX/XXXX, so I had nothing to pay on XX/XX/XXXX. These statements should reflect that I never ever been late, I also sent you the credit report that's been reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern, This is my final written demand regarding the above-referenced account you are attempting to collect and report.

I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization due to your continued violations of the Fair Credit Reporting Act ( FCRA ).

As you are aware : - Under 15 USC 1681g, you were required to provide me with full disclosure of the documents you are relying upon to claim this debt ( including a contract with my signature, account history, and verification of ownership ). You have failed to provide this within the required timeframe.

- Under 15 USC 1681a ( 4 ), any consumer report must only contain accurate and verifiable information.

Continuing to furnish unverified and fraudulent data is a direct violation of federal law.

- Under 15 USC 1681i and 1681s-2, once notified of identity theft and a dispute, you are legally obligated to conduct a reasonable investigation and remove unverifiable data. You have failed to comply.

Since I have already provided an FTC Identity Theft Report and you have failed to validate this debt within 30 days, you are now in willful violation of federal law.

Accordingly, I demand that you immediately and permanently delete this account from any and all consumer reporting agencies.

If this fraudulent account remains on my credit file beyond 15 days from receipt of this notice, I will initiate civil litigation against your company under 15 USC 1681n and 1681o, seeking : - Statutory damages ( {$1000.00} per violation ) - Actual damages, including emotional distress and credit harm - Punitive damages for willful noncompliance - Attorneys fees and court costs This is not a request it is a final demand. You have been put on notice. Failure to comply will result in immediate escalation in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE.

This account is inaccurate and must be eliminated from my record. I never authorized its creation. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
Earlier in XXXX, I obtained a proposal from Carvana to purchase my car. I was informed that due to the fact that my vehicle was brought to California from a different state and has a goldenrod registration, I had to contact the DMV to remove the goldenrod.

I was told by two different Carvana employees that this was the course of action. I contact my credit union ( the lien holder ) and obtained a copy of the Arizona title so the goldenrod could be removed and I could move forward with the sale. 

On XX/XX/year> I spent over 3 hours at the DMV waiting to do the process that Carvana instructed me to, just to be told by the DMV that what Carvana asked of me is impossible, since the only way to remove the goldenrod is removing the lien holder and that can not be done if the lien is in place. I called Carvana and spoke to the most foul, classless representative named XXXX XXXX. He stated that per Carvana 's policy, this transaction can not be done because " their policy '' does not allow Carvana to purchase a car with a goldenrod. I asked for a copy of the policy, as this was not communicated by the other people I spoke to and XXXX XXXX refused to provide it. I asked for a supervisor and this pitiful excuse of an employee told me they do not have supervisors (! ). I wasted hours of my day working on this and still have no resolution because Carvana lied multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
In XXXX, I received several federal student loans while attending XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. According to the U.S. Department of Educations XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), all of those loans were paid in full through a consolidation loan in XXXX. 

In XX/XX/XXXX, the Department of Education created a new Direct Consolidation Loan totaling approximately {$40000.00} in principal plus {$2600.00} in interest. This included : Direct Consolidated Unsubsidized Loan {$17000.00} principal + {$4000.00} interest XXXX XXXX XXXX XXXX {$22000.00} principal + {$5000.00} interest In XX/XX/XXXX, the loans were assigned to the Departments Default Resolution Group and marked Defaulted, Unresolved. As of XX/XX/XXXX, DOE claims balances of over {$49000.00} combined, although no payments have been credited since assignment. 

On XX/XX/XXXX, I requested validation and verification of this alleged debt under 34 C.F.R. 30.33 and 31 U.S.C. 3711, including original signed promissory notes, the signed XXXX consolidation agreement, complete payment history, and proof of lawful assignment. 

DOE responded on XX/XX/XXXX, but only provided balance summaries and a reference to electronic records. They did not provide the required signed promissory notes or the XXXX consolidation agreement. 

On XX/XX/XXXX, DOE issued a final position letter, stating its position had not changed and refusing to provide further documentation. Despite this, DOE continues to report the alleged debt as Defaulted, Unresolved to credit bureaus and threatens collection actions such as tax refund offsets, wage garnishment, and litigation. 

This means DOE is attempting to collect and report a debt without providing legally required validation or documentation, in violation of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a complaint regarding an issue with my Chase bank checking account. 

On XX/XX/year>, I deposited an IRS refund check for {$8600.00} into my Chase checking account. The check is made payable to both my name and my spouses name. However, the account into which I deposited the check is only under my name. Since XX/XX/year>, Chase has placed a hold on the funds, and I have been unable to access the money. 

During this period, I contacted Chase multiple times via phone customer service and visited a branch in person to resolve the issue. I was informed that in order to verify my spouses identity, Chase requires a phone number associated with her name in their public system. This is the only method they accept for verifying her identity. Despite bringing my spouse to the branch and presenting her identification and our marriage certificate, Chase still refused to verify her identity. 

I have also contacted the phone carrier, XXXX , and confirmed that the phone number in question is indeed registered under my spouses name. Nevertheless, Chase continues to refuse to acknowledge or verify the phone number as belonging to my spouse, even though it is listed in her Chase profile. 

Ultimately, Chase closed my bank account without providing a satisfactory explanation or resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used to have a Cash App account and closed it last year due to suspected fraud. I installed the app again last month to check that everything is closed. It appears that there is another account open using my phone number. I contacted Cash App and the customer service representative stated the account will be left as is. He did confirm my previous account under an old number has been closed. However, an individual opened another account using my phone number. I contacted my phone company, and they confirmed that my phone number was recycled but only assigned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Subject : Improper Credit Reporting and Account Updates by Global Lending Services Summary : I am filing a complaint regarding Global Lending Services for continuing to report and make changes to an account that should not be reporting on my credit file. 

Details : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by Global Lending Services on my credit report.

This account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice.

The addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation.

15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The law under 15 U.S.C. 1666b states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. If the creditor fails to send this statement with the required information at least 21 days in advance, they can not consider a payment late. This also means that finance charges for the billing cycle can not be imposed without this timely statement delivery.

In summary, creditors must send the required payment information 21 days before the payment due date under section 1637 ( b ), or they can not treat a payment as late or impose additional finance charges related to the timing of payment.

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 2025-10-02 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: FL

Complaint narrative:
The law under 15 U.S.C. 1666b states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. If the creditor fails to send this statement with the required information at least 21 days in advance, they can not consider a payment late. This also means that finance charges for the billing cycle can not be imposed without this timely statement delivery.

In summary, creditors must send the required payment information 21 days before the payment due date under section 1637 ( b ), or they can not treat a payment as late or impose additional finance charges related to the timing of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Atlanticus Services Corporation
State: TN

Complaint narrative:
I have filed complaints, disputes, and written letters, according to 15 U.S.C. s 1681b and 15 U.S.C. s 1681c-2, I am entitled to have these negative items and negative inquiries removed from my Credit Report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights 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