vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
This is a formal complaint against XXXX XXXX  for continued inaccurate and unverifiable credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ). 

On XX/XX/scrub>, 2025, I submitted a written dispute to all three credit bureaus requesting investigation and deletion of this tradeline due to multiple inaccuracies, including inconsistent late payment reporting and balances. Despite this, XXXX failed to properly investigate or provide adequate validation. As of today, no satisfactory response has been received. 

Key FCRA Violations : XXXX failed to conduct a reasonable investigation as required under 1681i ( a ). 
XXXX continued reporting without verifying the accuracy or furnishing supporting documentation, violating 1681s-2 ( b ) ( 1 ) ( A ) ( C ). 
No written results or response were ever received from XXXX, despite being notified of the dispute by the credit bureaus. 

Furthermore, I have requested method of verification ( MOV ) information and supporting documentation, which was never provided. This constitutes willful noncompliance under 1681n. 

I am requesting that XXXX  update this tradeline to reflect a completely accurate payment history and remove all late payment entries that are unverifiable or incorrect. I am not disputing the account itself only the reported delinquencies. The tradeline should remain open but accurately reflect timely payments unless XXXX can furnish proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hi, Heres the exact issue. The cash apps algorithm is designed to instantly show the amount thats supposedly being transferred before it actually deducts from your linked method of payment. On XX/XX/XXXX, I tried to add {$10.00} from my XXXX XXXX account which was linked before the {$10.00} transaction was labeled as failed. Cash app shockingly deducted from my former XXXX  checking account that has been closed since XXXX and unlinked on the same day of the transaction.Then when I returned to the app, it placed my account balance in a negative state for a while until I decided to add at-least {$1.00} to relieve some confusion. Then I added {$13.00} and {$7.00} to potentially reflect the total of {$21.00} on my cash app account. It currently shows {$10.00}, which apparently, correlates to a ledger mismatch, Cash App front loaded the {$10.00} and got rejected by XXXX XXXX  ( since my account has been closed since XXXX ) reversed it, which caused my balance to dip negative since the XXXX transfer failed. So, clearly the amount that XXXX missing which is {$10.00}, has been absorbed into offsetting the failed transaction, leaving me with {$10.00} instead of {$21.00}. Their system treated me as if I owed them {$10.00} instead when no transfer has been approved from any bank account. So, therefore the payment method was unauthorized/unintended. Its clearly an internal ledger error issue on Cash Apps end not an external bank issue since no XXXX debit succeeded. I initially contacted Cash Apps customer support XXXX  days after I first noticed this issue on XX/XX/XXXX because I expected its system to automatically correct itself by refunding the actual amount back. I used chat support to no avail as displayed in the screenshots and I spoke to XXXX Cash App representative over the phone and he stated that was the money that I owed despite no transaction being processed or approved from any bank. He just kept deflecting and mentioning transactions that were irrelevant to this situation and concluded by saying that I should contact my bank as well as letting his supervisor contact me. This conversation took about XXXX mins in total and I called my former XXXX XXXX  for some clarity this past Monday but she clearly said that they cant access or review any info since the account has been closed so, therefore it was a waste of time.The supervisor being more reluctant to resolve this issue by ignoring the prime details of my message and then replying with a generic dismissive response to eventually close my claim. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: WA

Complaint narrative:
Equifax is reporting unauthorized and unverifiable inquiries on my credit file that violate my rights under the Fair Credit Reporting Act. 

XXXX XXXX Inquiry ( XX/XX/year> ) XXXX  Inquiry ( XX/XX/year> ) I never authorized these inquiries, nor did I engage in any transaction that would create a permissible purpose under FCRA XXXX. Equifax has not provided proof of my written consent or a documented permissible purpose. These qualify as fraudulent inquiries under FCRA XXXX. 

Equifaxs reporting of these inquiries is inaccurate, incomplete, and non-compliant with FCRA XXXX ( b ), which requires maximum possible accuracy. 

Furthermore, because Equifax has a documented history of data breaches affecting millions of consumers, the continued mishandling of my Personally Identifiable Information ( PII ) demonstrates gross negligence and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
This formal complaint addresses my concerns regarding questionable late payment entries that have surfaced on my credit profile during a recent review of my financial records. Following standard dispute procedures, I submitted written requests for verification to the relevant creditors over thirty days ago, yet have received no acknowledgment or documentation to support the validity of these reported delinquencies. The silence from these entities raises serious questions about the accuracy of their reporting practices and leaves me with unsubstantiated negative marks that are harming my credit profile without proper justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Subject : Nelnet / Great Lakes  Improper Interest Accrual During Deferment To Whom It May Concern, I am filing this complaint regarding Nelnets mishandling of my federal student loan, which was transferred from Great Lakes to Nelnet.

1. While my loan was officially in deferment/frozen status during the COVID-19 payment pause, Nelnet continued to allow interest charges to accrue.

2. This was entirely out of my control, as the loan was federally mandated to be frozen, yet my balance increased. 
3. When I contacted them, they admitted there were errors and brushed it off as our mistake, but the extra charges remained on my account.

4. I have also faced ongoing confusion about my loan status since the transfer. It was deferred under Great Lakes, then sold, then deferred again, yet Nelnets system still shows irregularities and interest activity that should not exist. 

This is an unfair and deceptive practice, and it directly violates the governments COVID-19 forbearance rules that were supposed to protect borrowers from interest accrual during the freeze. 

Resolution I am seeking : Remove all improper interest and charges that accrued during deferment. 
Correct my account balance to reflect what it should be had the freeze been properly honored. 
Provide clear, written confirmation of my deferment status going forward. 


I am filing this complaint regarding Nelnets mishandling of my federal student loan, which was transferred from Great Lakes to Nelnet. 
While my loan was officially in COVID-19 deferment/forbearance status until XXXX, Nelnet continued to allow interest charges to accrue. This directly contradicts the federal freeze protections.

Nelnets website has repeatedly glitched, showing inconsistent balances and incorrect payment status. 
Worse, my loan is being reported to credit bureaus as if it were active, even though it is supposed to remain in deferment/forbearance until XXXX. 

Nelnet, they admitted errors and dismissed them as our mistake, but the improper charges and reporting remain. 
This is a violation of federal forbearance rules, deceptive servicing, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

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

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 2025-09-11 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: NY

Complaint narrative:
I am filing this complaint as a responsible and attentive consumer who has recently identified inaccurate late payment notations on my credit report related to an account with XXXX XXXX XXXX. I believe these late payments may have been reported in error, and I am requesting a formal investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Account in Question : XXXX XXXX XXXX Account No : XXXX 30 Days Late : November 2023 60 Days Late : XX/XX/year> Details of the Complaint : Upon reviewing my credit report, I was surprised to see that XXXX reported XXXX and XXXX late payments for the months of XXXX and XX/XX/year>. I do not recall missing any payments for this account and was not made aware of any delinquency during that time. I believe this may be the result of a reporting error, processing delay, or incorrect status submission. 

This account remains open and active, and it is critical that any reported data associated with it be accurate and timely. 

FCRA Violations Cited : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 1681i ) Entitles me to request a reinvestigation of disputed information that I believe to be inaccurate. 

Section 607 ( b ) Requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

Section 623 ( a ) ( 2 ) Requires data furnishers like XXXX XXXX XXXX to promptly correct or update any information they discover to be inaccurate or incomplete. 

Section 602 ( a ) Asserts that the credit reporting system must be fair and equitable, especially concerning consumer rights to accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made cash deposit into my account on the phone XXXX of XXXX and my account was restricted on the XXXX of XXXX, I have bills to pay with the money in my account upon closing, How long is the investigation going to take XXXX XXXX made it 2 months my account was closed after restricted on the XXXX of XXXX. How long is the investigation going to take? When I'm I expected to receive a check of my available balance {$5400.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9500.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while undermining my financial credibility. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and these erroneous entries continue to damage my creditworthiness and personal reputation.

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 2025-09-11 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: FL

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

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

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

Company 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 2025-09-11 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: FL

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

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

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

Company 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 2025-09-11 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: EQUIFAX, INC.
State: MD

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. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00}, XXXXXXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00}, XXXXXXXX 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/year>

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 2025-09-11 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:
TransUnionFraud Victim Assistance DepartmentXXXX. XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXXXXXX, WA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Balance {$20000.00} ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, [ XXXX XXXX ] Enclosures : [ List what you are enclosing ] * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B

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 2025-09-11 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:
These inaccurate accounts are still listed on my credit report, and nothing has been taken off as it should have been. I feel helpless and I am pleading that the documents Ive sent are checked thoroughly so I can finally stop carrying this heavy burden.

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 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
In the state of south carolina the statute of limitations is 3 years from the date of the last activity. Portfolio Recovery Associates can not provide this information. The debt is time barred and needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation