vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: NRA Group, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint against National Recovery Agency regarding their unlawful debt collection practices. 

National Recovery Agency has attempted to collect a debt from me that I do not owe. Despite my written request for validation of the alleged debt, they have failed to provide proof as required under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition, their communications have violated 15 U.S.C. 1692c, which restricts debt collectors from contacting consumers at inconvenient times, places, or after being notified in writing to cease further contact. I have informed them to stop contacting me, yet they continue to reach out. This is a direct violation of federal law.

I am requesting the following resolution : That National Recovery Agency immediately cease all communication and collection efforts in accordance with 15 U.S.C. 1692c ( c ).

That any inaccurate or unverified information reported to the credit bureaus be deleted.

That they provide full documentation if they intend to continue collection, or otherwise close this matter.

I believe these actions by National Recovery Agency are unlawful, harassing, and harmful, and I ask the CFPB to investigate and require them to comply with federal law. 

Your Contact Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX  Date : XX/XX/year>XXXX XXXX Date : XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent out a payment to Citibank online using my XXXX  XXXX XXXX account 10 days ahead of time. I sent a payment on XX/XX/XXXX right before I left for vacation and it was due on XX/XX/XXXX. They said they received the payment a day late and would not reverse the charge.

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 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) and XXXX  for reporting inaccurate and unverifiable late payments on my mortgage account ( Account # XXXX ). 

The account is an open, active mortgage that is being paid, but XXXX  is reporting late/missed payments for XX/XX/year>2025 and XX/XX/year>2025. These late payments are being reported without proper documentation or validation. 

I submitted a direct dispute under FCRA 623 to XXXX XXXX XXXX XXXX, requesting validation of the late payments. They have not provided : Copies of billing statements showing due dates and amounts for XXXX and XX/XX/scrub> 2025, A complete payment ledger verifying non-payment, Any notices of delinquency allegedly sent. 

Without this evidence, the reporting is incomplete, unverifiable, and misleading, which violates : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or misleading information.

FCRA 623 ( a ) ( 8 ) : Furnishers must investigate direct disputes.

FCRA 611 & 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 
XXXX XXXX standards : An account that is current should not be coded as delinquent without supporting records. 

The inaccurate reporting of these alleged late payments is materially damaging my creditworthiness and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) and XXXX  for reporting inaccurate and unverifiable late payments on my mortgage account ( Account # XXXX ). 

The account is an open, active mortgage that is being paid, but XXXX  is reporting late/missed payments for XX/XX/year>2025 and XX/XX/year>2025. These late payments are being reported without proper documentation or validation. 

I submitted a direct dispute under FCRA 623 to XXXX XXXX XXXX XXXX, requesting validation of the late payments. They have not provided : Copies of billing statements showing due dates and amounts for XXXX and XX/XX/year>2025, A complete payment ledger verifying non-payment, Any notices of delinquency allegedly sent. 

Without this evidence, the reporting is incomplete, unverifiable, and misleading, which violates : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or misleading information.

FCRA 623 ( a ) ( 8 ) : Furnishers must investigate direct disputes.

FCRA 611 & 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 
XXXX XXXX standards : An account that is current should not be coded as delinquent without supporting records. 

The inaccurate reporting of these alleged late payments is materially damaging my creditworthiness and causing financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I placed two separate orders on XXXX XXXX Order XXXX : {$34.00} USD Order XXXX : {$130.00} USD XXXX assigned the same tracking number to both orders. The tracking record stated that the packages were delivered to my Front Door on XX/XX/year> at XXXXXXXX XXXX. However, I never received either order. There was no delivery photo at the time of tracking, and nothing was left at my front door. My home CCTV also confirms that no delivery occurred. 

I immediately reported this to XXXX and then filed disputes with PayPal. PayPal refunded the {$34.00} order, but denied the {$130.00} order even though the situation was identical. 

Later, XXXX changed its claim, saying the package was delivered to the Entrance Gate instead of the Front Door. Only after I filed the PayPal claim did XXXX suddenly provide a blurry photo showing a single white plastic package on the street outside the gate, at night. This photo is unreliable because : 1. It shows only one package, although my order included two.

2. It was taken on a public street, not my secure delivery location. Anyone could have taken it. 
XXXX. XXXX normal practice has always been morning deliveries with clear photos showing the package at my front door or inside the gate. This time, there was no photo at the time of tracking and no actual delivery. 

Despite submitting this evidence twice to PayPalincluding screenshots of XXXX contradictory statements and CCTV confirmationPayPal closed my case without proper review. If PayPal had reviewed the evidence, it would have been clear that the {$130.00} order was never delivered and should have been refunded just like the {$34.00} order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

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 XXXX : [ XXXXXXXX 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 2025-09-02 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: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: DE

Complaint narrative:
CFPB Complaint XXXX XXXX XXXXXXXX Issue : Unfair credit line reduction and account closure despite flawless payment history. 

Details : I have been a XXXX XXXX XXXXXXXX credit card customer for over 30 years. I have never made a late payment. Despite this, XXXX XXXX XXXXXXXX recently : Closed one of my accounts with a {$16000.00} limit, eliminating {$5000.00} of available credit. 

Reduced another account from {$28000.00} to {$9900.00}, eliminating nearly {$20000.00} of available credit. 

Reduced my XXXX card from {$29000.00} to {$7100.00}, which immediately put me over the limit even though I had been responsibly managing the account. 

These actions were taken without notice or cause, and they have severely damaged my credit profile by removing more than {$40000.00} of available credit. My credit score dropped from XXXX to XXXX almost overnight, and I now appear over-utilized despite never missing a payment. 

I make nearly {$300000.00} annually and have managed these accounts responsibly. I am requesting CFPB intervention to review these unfair actions and require XXXX XXXX XXXXXXXX to restore my credit limits or correct their reporting. 

Second issue- Nelnet- this company was sent my student loans for my kids, NEVER contacted me - no mail, email .. and was sending my info to someone else? 

CFPB Complaint Nelnet Complaint Summary : Nelnet has reported multiple 90-day late payments on my student loan accounts. These late payments are inaccurate. I never received any paper statements or valid billing notices at my correct mailing address. Nelnet sent billing notices to an incorrect or inactive email address, and I was never aware of any missed payments until the negative information appeared on my credit report. 

This miscommunication has resulted in serious damage to my credit score, which dropped from XXXX to XXXX overnight. I have always paid my obligations on time when properly billed, and these reported lates do not accurately reflect my payment behavior. 

Requested Resolution : Remove all inaccurately reported late payments from my credit file. 

Provide documentation showing how billing statements were sent and to which email or address. 

Correct my credit history to reflect my consistent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I have taken a loan of {>= $1,000,000} from Loan Depot and made a payment of {$1000.00} on XX/XX/year> therefore reducing my loan amount to {>= $1,000,000}. 

The loan subsequently was transferred to XXXX but the transferred Loan amount is {>= $1,000,000} instead of the reduced amount of {>= $1,000,000}. 

I have been chasing both LoanDepot and XXXX to reconcile and adjust my loan amount to {>= $1,000,000} but till date there is no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CT

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation