vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
I am disputing the accuracy of the following accounts on my Experian credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

INQUIRIES 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 XXXXXX/XX/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 2025-12-22 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: FL

Complaint narrative:
I was told that my direct loan consolidation did not qualify for IDR program. I had approximately 16 different loan with Great Lakes before loans transferred to Nelnet and I did not opt to consolidate them. I am so confused right now. The consolidation would make my interest rates higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Inquiries [ No inquiries listed for TransUnion ] Late Payments 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 2025-12-22 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:
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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX I received a call from XXXX ( XXXX ) XXXX stating they were with the XXXX XXXX XXXX XXXX and were with the pretrial diversion program. They states related to over crowding my brother had been selected from the program with which he could be released on an ankle monitor and required to complete classes and a curfew. They stated there was a fee of {$1500.00} that would be refundable after program completion. They stated they did not take card info over the phone but did accept XXXX through an FDIC institution. I was then provided with their financial advisors info which was XXXX XXXX phone number XXXX ( XXXX ) XXXX. I sent the payment at which time I was told there was a separate fee not mentioned for the classes which were {$1200.00} then corrected to be {$2000.00}. At this time I became suspicious and immediately contact XXXX my bank and filed a police report and complaint with FTC, XXXX, and ic3. These people had my brothers full name, XXXX, knew his charges and where he was jailed as well as my name and contact info.

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 2025-12-22 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: MA

Complaint narrative:
I am disputing the following accounts on my credit report that were inaccurately reported. These accounts are being reported as charged-off, late, or have an incorrect status that needs to be corrected. Below are the details of the disputed accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Numerous attempts of contacting XXXX disputing information also the company still reporting this account which was involved in a litigation and its a closed account in this case is a Volation of my consumer rights. Any account that closed is not supposed to continue to report on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have negative reporting on all XXXX credit bureaus from Resurgent Capital Services for a debt that was settled. I have made XXXX separate attempts to contact them to dispute, requesting several documents showing proof, including - Flow Agreement - Transfer of Assignment bill of sale - Original contract - Chain of Custody All they have responded with is a letter stating the debt had been verified and a copy of a random bill from the original creditor. This is unacceptable. I insist this debt be removed from all XXXX credit bureaus and all communications from Resurgent Capital Services be discontinued. If this is not done immediately I will be pursuing a {$4000.00} lawsuit for - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 dispute the accuracy of the following accounts listed on my Experian credit report : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding a hard inquiry that appears on my credit report without my authorization or consent. XXXX XXXX NA XX/XX/2024, I did not apply for credit, services, or any permissible transaction with this company, yet a hard inquiry was placed on my credit file and is actively impacting my credit score. Under the Fair Credit Reporting Act, a hard inquiry may only be placed when there is a valid permissible purpose. Reporting this inquiry without my written authorization violates 15 USC 1681b ( 2 ). In addition, the continued reporting of this inquiry reflects a failure to follow reasonable procedures to ensure maximum possible accuracy, as required under 15 USC 1681e ( b ). The presence of this inquiry is causing real financial harm and reflects negligence and noncompliance with federal consumer protection laws. Continued failure to resolve this issue may constitute willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. I am requesting that the CFPB intervene to ensure this hard inquiry is permanently removed.

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 2025-12-22 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

Complaint narrative:
What happened? 

I purchased a bag from an international seller on XX/XX/year>, for USD {$250.00}. The payment was processed through PayPal. 

Upon delivery, I immediately contacted the seller to report that the packaging was weak and inadequate and that the item showed minor issues upon receipt. This communication is documented. 

After only XXXX day of normal, careful use, the bag developed visible cracks in the material. This type of failure is not normal wear and tear and indicates a latent manufacturing defect that was not discoverable at the time of delivery on XX/XX/XXXX. 

I promptly notified the seller of the cracking issue on XXXX. The seller acknowledged the problem but offered only partial remedies ( repair, discount, or partial refund ) and required me to pay international return shipping costs for a defective item. I stated that I was willing to return the item if the seller provided a prepaid return shipping label, which the seller refused. 

On XX/XX/year>, I filed a buyer protection dispute with PayPal under Item significantly not as described. XXXX closed the case the same day solely on the basis that the issue was reported more than XXXX days after delivery, without evaluating that this was a latent defect that only became apparent after use. 

I contacted PayPal multiple times and explicitly requested a manual or supervisor review, explaining that a defect that is not discoverable at delivery can not reasonably be reported earlier. PayPal refused to conduct any manual review and relied entirely on an automated rule. 

As a result, PayPal denied buyer protection without reviewing the merits of the dispute and without considering the nature and timing of the defect. I am filing this complaint because PayPal failed to provide a fair dispute resolution process for a transaction involving defective merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to re place the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by UNITED WHSLE MORT for the account listed below. 

Account in dispute : UNITED WHSLE MORT Acct : XXXX This account is currently reporting inaccurate XXXX late payments for XX/XX/year> and XX/XX/year>. These delinquency codes are materially misleading and are negatively impacting my credit score. I have already provided notice and am requesting that the furnisher conduct a full, reasonable investigation and correct the reporting. 

I am requesting that UNITED WHSLE MORT either : Provide competent documentation substantiating the late-payment reporting ( full payment ledger, posting dates vs. due dates, grace period calculations, and servicing notes supporting the delinquency determination ), or If the late-payment reporting can not be fully substantiated, immediately correct the account history and notify all consumer reporting agencies to remove the XXXX and XX/XX/year> late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
Bounce AI is attempting to collect and has reported to the credit bureaus an alleged debt that is inaccurate and disputed. 

I voluntarily vacated the rental unit and returned possession prior to the period for which rent is being claimed. I did not reside in the unit during the months allegedly owed. I was never evicted, never served with an eviction action, and no lawful eviction occurred. 

Despite this, Bounce AI has reported the alleged debt to the credit bureaus, causing significant and ongoing damage to my credit profile. The reporting is based on rent and damages claimed for a period after I had already vacated the property and did not occupy the unit. 

Bounce AI has reported this debt without providing proper validation, including proof of occupancy, proof of service, final inspection documentation, or evidence of lawful loss-of-rent entitlement. 

Reporting and attempting to collect an amount not owed, and furnishing inaccurate information to the credit bureaus, constitutes a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections 602, 609, and 611, as well as METRO 2 reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section 611. Additionally, XXXX XXXX  data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within XXXX ( XXXX ) days. 
XXXX. I was never late on the payment and here i can see XXXX  days late payment being reported. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olympic Collection Inc.
State: OR

Complaint narrative:
I am submitting this complaint regarding Olympic Collections XXXX, which is attempting to collect an alleged medical debt on behalf of XXXX XXXX. 

This alleged debt is invalid because it is based on a service that did not occur. 

After I disputed the debt and requested validation under 15 U.S.C. 1692g, Olympic Collections XXXX failed to provide legally required validation. Specifically, the collector did not provide : any documentation bearing my signature agreeing to the alleged debt, proof that the alleged service was actually rendered, or proof that the alleged debt is legally owed. 
Instead, the collector provided unsigned invoices showing conflicting balances and introduced an alleged date of service of XX/XX/year>. 

There is no record of any visit on XX/XX/year>. The providers own appointment and treatment records ( XXXX patient portal ) confirm that no services were rendered to me on that date. 

Attempting to collect payment for a service that never occurred, based solely on an unsigned internal invoice, constitutes a false representation of the character and amount of a debt in violation of 15 U.S.C. 1692e, and an unfair collection practice under 15 U.S.C. 1692f. 

Despite notice that the debt is disputed and unsupported, Olympic Collections XXXX continues to pursue collection without lawful validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Kriya Capital, LLC
State: GA

Complaint narrative:
This pop up on XXXX XXXX  credit report name of the company name is credence resource management say I owe {$360.00} and the account was open XXXX the original company is XXXX XXXX XXXX which I never had an account with them at all there address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reached out the Wells Fargo credit card services XX/XX/XXXX after I was getting indications of charges on an old credit card of my exhusband and mine old acct. He recently passed away XX/XX/XXXX. I explained we were divorced since XX/XX/XXXX and that he passed away however there were new charges on the acct and that I was receiving said notification didnt know why all of a sudden I started receiving payment requests from them and negative reports and declining FICO.

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