vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/year> A debt collection agency disclosed my personal debt information to a third party by sending a text message to my mother, who has no connection to my account. 

The message included my full name, the original creditor XXXX XXXX XXXX XXXX XXXX, and the amount allegedly owed. This was not for location purposes and occurred without consent. 

Evidence includes screenshots of the text message sent to a third party disclosing my name, creditor, and balance. 

This is a clear violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( b ). I am requesting investigation, corrective action, and cessation of unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
The account listed is erroneous and is being reported under my name without justification.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS LATE PAYMENT IS INCORRECT AND MUST BE CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There is an account in collections being reported by Transunion as accurate after a dispute. This account is not accurate. I did not open an account with XXXX in 2023. I have not had an account with XXXX in probably 20 years. Transunion is refusing to remove it. How do I get XXXX to show me where I opened an account in 2023? This is a seriously old account and it needs to be 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 non-monetary relief
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion has failed to comply with its legal obligations under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ). I properly identified multiple accounts on my credit report as the result of identity theft and requested a fraud block.

TransUnion refused to block the accounts, citing prior payment history, prior disputes, or the date the accounts were opened. These reasons are not valid under FCRA 605B. Fraudulent accounts may reflect payment activity by a third party, may have been disputed prior to discovery of identity theft, and may predate the date the fraud was formally reported. I did not open, authorize, or benefit from the accounts listed below, and TransUnions continued reporting of these accounts constitutes negligent or willful noncompliance with federal law. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$150.00}

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 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/2025 Via Certified Mail & Electronic Communication Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, that I am requesting you cease and desist all communication with me regarding the above-referenced account. 

This request includes, but is not limited to : Telephone calls Written correspondence Electronic communications Reporting, updating, verifying, or re-reporting this account to any consumer reporting agency, as such reporting constitutes a form of communication under the FDCPA You are hereby directed to immediately cease all collection activity, including continued credit reporting or furnishing of information related to this account.

Any further communication from your companyoutside of one written notice confirming compliance with this request or notice of specific legal action you intend to takewill be considered knowing and willful noncompliance with federal law and may subject you to civil liability under 15 U.S.C. 1692k. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I was a federal student loan borrower whose loans were serviced by Navient. Without my consent, my loans were later transferred to a different servicer as part of lender and servicing changes. During and after this transfer, I experienced inconsistent information regarding repayment options, income-driven repayment eligibility, and forgiveness credit. I did not receive clear or timely notice explaining how prior payments and qualifying months would be treated following the transfer, nor was I provided adequate documentation confirming continuity of my loan history. As a result, I am concerned that qualifying payments may not have been accurately credited and that I may have been financially harmed due to servicing errors and lack of transparency. I am requesting a full review of my loan history to ensure all payments and forgiveness eligibility have been properly applied and that any errors are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The account is reported as a third-party collection tradeline. Documentation sufficient to establish ownership, balance accuracy, and reporting authority has not been made available, preventing independent verification of accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
am disputing a billing error and predatory collection practices under the Fair Credit Billing Act ( FCBA ). On XX/XX/year>, I paid {$570.00} to satisfy the full balance on my XXXX account ( issued by Comenity Capital Bank ). Following this payment, the account was closed.

What Happened : Unknown to me, an undisclosed charge of {$3.00} was applied after my final payment. Comenity Bank failed to provide a statement or notification of this residual balance. They have since applied aggressive late fees and compound interest, bringing the total to approximately {$120.00} for a {$3.00} charge. I have repeatedly requested a written explanation and a breakdown of these fees, but the bank has ignored my emails and refused to provide documentation. Furthermore, they refuse to accept payment for the original {$3.00}, insisting on the collection of these predatory fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX XXXX account was paid in full on XX/XX/year> before closing of the monthly statement. they reported a XXXX balance with is o. they froppes my fios score by XXXX points. They do this quite offen and it takes me months to get it off my credit score. proof i was charged a penny in intrest. Please Help. 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 2025-12-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The car i purchased was a lemon I got scammed and the car lot closed when i tried to reach out now there trying to charge me for the car. I returned the car back,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
On XX/XX/XXXX I initiated a fund ( shares from XXXX XXXX XXXX XXXX ) transfer by check to XXXXXXXX XXXX XXXX through the Bill Pay system. Was processed and completed on XX/XX/XXXX. The funds were transferred out of one of many of my checking accounts ending in XXXX XXXX XXXX XXXX XXXXXXXX and was initially credited. XXXX accepted the payment and was paid in full by check numbers XXXX, and XXXX. The checks were not returned for NSF as evidenced from Transaction History Screen Shot attached. XXXX is manipulating the CRA by validating false information and furnishing bad data. The data that they are furnishing is inconsistent with balances and payments and is hurting my credit scores. This account has been paid in full despite the inconsistency of balance and monthly payment information published about my credit.

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp would not let me verify. I made sure my information was correct. Talked to customer service and emailed them a few times. Last call, agent hung up without addressing concern. Once again all my information on my side is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
Several months ago i was reviewing my Experian credit file and noticed that my XXXX XXXX XXXX XXXX card, ending in card number XXXX was being reported negatively. XXXX was reporting the account as Closed and reported the account was closed at the Customers request. This account has been open since XXXX and is open and active not closed. Also, I never requested this account to be closed. I disputed these errors to Experian twice and each time the file was not updated it just said verified. I sent Experian my recent XXXX XXXX card Statement showing the account was open but no corrections were made. I then reached out to XXXX directly via phone on several occasions and asked to speak to a Supervisor or Manager in the department in charge of these entries. Each time I was advised someone would get back to me and XXXX never followed up and never contacted me. After many follow up calls from me, I was finally given the email address of the Loan Services department. On XX/XX/XXXX I started my email communication with the Loan Services department. I sent the department screen shots of my Experian Credit report showing the errors clearly. Each time the response I received via email did not address the issue, I finally asked to speak to a Supervisor or a Manager and I asked for the name of the person who is responsible for entering and correcting this information. Each time I was ignored... the person who I was in contact with via email remained anonymous. Because of the refusal to correct such a simple error, the dismissive attitude and disregard for my request to speak with a Supervisor or Manager, I feel these errors are being done willfully.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account listed is erroneous and is being reported under my name without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding JPMorgan Chase Bank , N.A . for failure to fully reimburse unauthorized electronic fund transfers from my account. 

I discovered that my Chase account had been defrauded beginning in approximately XX/XX/2025 through repeated unauthorized withdrawals by the same individual or destination, in similar recurring amounts, totaling approximately {$3200.00}. 

These transactions were not authorized by me. Upon discovering the fraud last Friday, I notified Chase promptly. 

Chase has stated it will only reimburse approximately {$1200.00} based on a claimed 60-day notice rule. This position ignores the fact that : The fraud was ongoing and repetitive, not isolated, The transactions were conducted by the same unauthorized source, and Chase failed to detect or stop the continued unauthorized withdrawals over multiple months.

Under the Electronic Fund Transfer Act and Regulation E, a financial institution may not shift liability to the consumer where unauthorized transfers continue due to the banks failure to act on obvious fraud patterns.

I am requesting that Chase : Reimburse the full unauthorized amount of approximately {$3200.00}, and Provide documentation explaining how these transactions were authenticated and why the fraud was allowed to continue.

Chases current response is inadequate and inconsistent with federal consumer protection law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding Credit Acceptance Corporations servicing and transparency of my auto loan account. 

The vehicle is a XXXX  XXXX XXXX XXXX. Credit Acceptance is the assignee and current creditor on the loan at an APR of approximately 20 %. 

I have paid approximately {$18000.00} toward this loan. Credit Acceptance alleges that I still owe approximately {$20000.00}. 

Credit Acceptance has restricted my access to account information. I am unable to view my payment history, current balance, or amount due. The only documents accessible to me are limited contract documents through the Credit Acceptance mobile application. 

I can not access the original contract associated with this transaction. I am only able to view a subsequent contract. Attempts to access the earlier contract result in an error message. 

A representative from Credit Acceptances compliance department informed me that my inability to view payment history, balance, or amount due is because I have open complaints. 

Credit Acceptance has refused to provide a written accounting detailing how my payments have been applied to principal, interest, and fees.

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 2025-12-21 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wired money to a man named XXXX to purchase supplies before he renovated my house. He took the money and said he purchased the supplies and that he'd be at my house at noon. He neber bought the supplies and he took the money. He said that the XXXX XXXX sent it to the wrong address and that he couldn't come because the XXXX XXXX location was in the XXXX and that he'd come. I found out from the XXXX XXXX that he never had any order like he said. Once I confronted him, he ghosted me and took the money. I filed a complaint with the bank but they rejected it. I went in physically and asked why but they said that they can't refund me because I wired him the money from XXXX XXXX and I consented, even though he was a scam artist and he didn't give me his real name. I went into the bank and they said they have no protections for money sent by XXXX XXXX and that's not fair because they are not protecting my money and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Radius Global Solutions LLC
State: TN

Complaint narrative:
I was informed that a collection was placed on my credit report from XXXX  from XXXX XXXX XXXX  for an account that was opened fraudulent using my personal information. The account was opened in XXXX, Florida.and I reside in the State of Tennessee. I have filed a police report in XXXX on this fraudulent activity and spoken to the creditor stating that this is not my account and I have never signed my signature to open any account for XXXX XXXX XXXX case number for this report XXXX. The collection agency is Radius Global Solutions and the amount of the fraud is XXXX dollars.Your attention to this matter is appreciated.

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