vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 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: GA

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Two months ago I was going to check my balance on cash app an a message popped stating my acct was closed with money an other debit cards still linked to it from inside the app the cash app stated they closed for illegal gambling which is absurd I then ask them to show me the proof I gave them my email an have yet to see any proof I can't get into the acct to remove cards or to pay on my loan or to transfer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
UNITED AUTO / UNITED AUTO CREDIT Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> United Auto Credit XXXX XXXX XXXX, XXXX, CA XXXX Re : Cease & Desist + Validation Request Account : XXXX XXXX XXXX  This letter demands you cease all communication pursuant to 15 U.S.C. 1692c ( c ).

I dispute the alleged debt and request validation ( 15 U.S.C. 1692g ( b ) ), including : Contract copy Payment history and itemization Proof you are authorized to collect Assignment documentation Verification of accuracy Collection efforts must pause until validation is supplied. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES Account : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/2025 Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Re : Cease & Desist + Validation Request Account : XXXX XXXX XXXX I am demanding under 15 U.S.C. 1692c ( c ) that you cease all communication. 
This is also a debt dispute and request for validation ( 15 U.S.C. 1692g ( b ) ) requiring : Proof of collection rights Full accounting Original signed contract Chain of title Reporting verification You must halt all collection activity and bureau reporting until validation is complete. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
I requested blocking of fraudulent accounts under FCRA 605B. Instead, the bureaus forced a 30-day investigation, used e-OSCAR automated responses, and did not provide verification records or proof of accuracy as required under FCRA 611 and 623.

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  XXXX wrote it off without sending sending me a 1099C but reporting on my credit and also XXXX is reporting that I owe this written off debt to them.. I never had any dealings with XXXX. Never signed anything with them.

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 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have had multiple instances of fraud happen on my target XXXX most recently I alerted them by calling in XXXX when I noticed my balance was wrong. I filled out the dispute transaction forms and it still has not been resolved. I have sent the dispute forms in via fax and mail at least 3 times following the instructions of the target reps each time when I do this target is saying they are not receiving it. I have not been credited after 4 months

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On Friday XX/XX/2025 at XXXX a cash deposit of XXXX dollars was added to those account, however it may be the company said my account can not be recovered or is non existent. I was told to call back every other hour, and within 24 hours. This has been done since Friday. This is now Sunday going into Monday and I still do not have access to my account. I have the phone number associated with my account the adress is the same as my new account, and the name Is the same. I explained my old phone was stolen, and I do have the police report. However I am still being denied access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: MT

Complaint narrative:
This morning I clicked a referral link for SOFI. after signing up I was told I already had an account, spent all morning getting back into that account. Which I told the guy I wanted to close. Fast track to this evening when I start getting all these credit pull alerts and I log into the sofi app and again try to find a place to close my account and so I ask chat. I am informed that they won't close the account because I have an open home loan???? I never applied for a home loan I don't even bank with these guys. I am told to call the office they are open 9 to 9. It's not even XXXX XXXX and the number goes to a recording that states they are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
In XX/XX/year>, I provided the company via a phone call identity verification information. As of this writing, the card is not working. By way of background, the business issues cards under the following retailer : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I am filing this complaint because multiple companies are reporting inaccurate, unverifiable, and incomplete information on my consumer credit file. Despite my disputes and requests for validation, these furnishers and credit bureaus have failed to provide documentation required under the Fair Credit Reporting Act ( FCRA ). 

The negative accounts appearing on my credit file include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency ) These accounts are being reported inaccurately and without proper validation as required under FCRA 602, 611, and 623. Several accounts show incorrect balances, past-due amounts, dates of first delinquency, and derogatory statuses that do not match my records. Some inquiries are unauthorized.

I submitted disputes directly to the credit bureaus and furnisher creditors, including a notarized Affidavit of No Dispute, requesting : Verification of all negative items Original contracts Complete ledgers Proof of ownership Accurate balance and reporting history To date, none of the furnishers have provided complete, legally required validation. Several items remain unverifiable, incomplete, or inaccurate, and therefore must be deleted under FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because multiple companies are reporting inaccurate, unverifiable, and incomplete information on my consumer credit file. Despite my disputes and requests for validation, these furnishers and credit bureaus have failed to provide documentation required under the Fair Credit Reporting Act ( FCRA ). 

The negative accounts appearing on my credit file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection agency ) These accounts are being reported inaccurately and without proper validation as required under FCRA 602, 611, and 623. Several accounts show incorrect balances, past-due amounts, dates of first delinquency, and derogatory statuses that do not match my records. Some inquiries are unauthorized.

I submitted disputes directly to the credit bureaus and furnisher creditors, including a notarized Affidavit of No Dispute, requesting : Verification of all negative items Original contracts Complete ledgers Proof of ownership Accurate balance and reporting history To date, none of the furnishers have provided complete, legally required validation. Several items remain unverifiable, incomplete, or inaccurate, and therefore must be deleted under FCRA 611 ( a ).

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 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: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy. 
Accounts are also reporting a manipulated or inaccurate Date of First Delinquency. 
Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I wasnt aware of all these loans I have to repay when I was going thru XXXX  I didnt have a job to put myself in that situation I was on gov assistance as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CT

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX XXXX  and Experian for furnishing and reporting inaccurate information, failing to conduct a lawful reinvestigation, and continuing to use a disputed, inaccurate account in adverse credit decisions. 

On XX/XX/year>, I sent XXXX XXXX a formal dispute and validation demand under : FCRA 1681e ( b ) FCRA 1681i FCRA 1681s-2 ( a ) and ( b ) FDCPA 809 ( b ) I also disputed the same information with Experian. 

XXXX XXXX continues to report the account inaccurately, including incorrect status information, balance information, past-due notations, and inconsistent dates. These inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report data that is complete and accurate.

Despite my dispute, Experian continues to report the account with the same errors, indicating that no reasonable reinvestigation was performed as required by FCRA 1681i. 
Adverse Action Taken by XXXX XXXX On XX/XX/year>, XXXX XXXX issued an adverse action notice denying my Blue Business Plus application. 
XXXX stated : Your previous XXXX XXXX account ( XXXX ) was cancelled and caused a loss to XXXX XXXX. 

This means XXXX used a disputed, inaccurate tradeline as the basis of an adverse action, which triggers all furnisher duties under FCRA. 

I have attached the denial letter. 

Failure to Provide Verification or Documentation XXXX XXXX also responded to my dispute by requesting Social Security verification, date of birth, and an internal account identifier. I provided the requested information so they could proceed. 

To date : XXXX has not provided the required documentation demonstrating accuracy XXXX has not provided a method of verification XXXX has not corrected the inaccuracies Experian continues to publish incorrect information XXXX is therefore out of compliance with : FCRA 1681s-2 ( a ) ( 1 ) ( A ) inaccurate reporting FCRA 1681s-2 ( b ) failure to investigate after notice FCRA 1681e ( b ) failure to assure maximum accuracy FCRA 1681i Experians failure to conduct a reasonable reinvestigation

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 2025-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AR

Complaint narrative:
One or more data breaches have occurred, leaking my private information on the dark web ( e.g., XXXX XXXX XXXX data breach ). Someone stole my identity and took out XXXX federal loans and one pell grant. I found out when seeing my credit was being negatively impacted by something when trying to buy a car. I then petitioned EdFinancial to have the loan XXXX. They requested I fill out some forms and provide proof I didn't take out the loan. I sent everything requested. I was then sent an additional request from EdFinancial for more supporting information and I sent back every piece requested, again. I now see no evidence of this in their student portal, and these loans some criminal took out in my name, and I have received no benefit for, are accruing interest, impacting my credit while I'm trying to build a home, and the next loan payment is due on XX/XX/year>. I have no evidence EdFinancial is taking any steps to discharge this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Your Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : [ XX/XX/XXXX ] To : Capital One Bank Attn : Credit Reporting Department 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Unauthorized Reporting & Failure to Obtain My Permission FCRA Violations To Whom It May Concern, I am formally disputing the reporting of the following accounts that appear on my credit report : Capital One reported as XXXX  Days Past Due on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX reported as XXXX  Days Past Due on XX/XX/XXXX These entries are being reported without my authorization, without my consent, and without proper verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).

FCRA Violations Being Disputed 1. Failure to Obtain Authorization to Report My Information Under FCRA 604 ( a ) ( 2 ) & 604 ( a ) ( 3 ), a furnisher must have a permissible purpose and proper authorization to access or report my personal credit information. 
There is no documentation proving I granted permission for these companies to report this information in the manner they have.

2. Inaccurate or Unverified Reporting FCRA 602, 607 ( b ), 611 & 623 ( a ) Both furnishers are required to : Report accurate information Maintain reasonable procedures to ensure maximum accuracy Properly verify any negative data before furnishing it Immediately correct or delete unverifiable or unauthorized data No such verification has been provided.

3. Furnishing Negative Information Without Notice FCRA 623 ( a ) ( 7 ) Creditors must notify a consumer before reporting negative information. 
I received no prior notice, making this reporting invalid. 

REQUEST FOR ACTION Under my rights granted by the FCRA, I am demanding : Immediate investigation You must conduct a full investigation within 30 days per FCRA 611.

Proof of authorization Provide : My signed contract Authorization permitting you to access or furnish my credit information Complete account verification records If you can not produce this documentation, the information must be deleted immediately. 

Deletion of the accounts If you can not fully validate : The debt The late payments The authorization to report it Then these entries must be removed entirely from all three credit bureaus. 



Failure to Comply If these inaccurate and unauthorized accounts are not removed, I will proceed with : Formal complaints to the CFPB, FTC, and State Attorney General Seeking remedies for violations of the FCRA, including statutory damages Please mail me your results in writing. 

Thank you, Your Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Global Lending Services LLC
State: TX

Complaint narrative:
To Whom It May Concern : I am formally disputing several unauthorized and impermissible hard inquiries reporting on my XXXX  credit file.

Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires written permission.

Under 604 ( f ) and 1681b, no company may obtain my credit file without a permissible purpose.

Many inquiries listed are NOT tied to an approved credit relationship. 
DISPUTED INQUIRIES INCLUDE : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Any other inquiry not linked to an open approved account These companies must prove permissible purpose per FCRA 615 ( a ).

LEGAL BASIS FCRA 609 ( a ) ( 3 ) right to full inquiry details 1681n & 1681o civil liability for unauthorized access 1681i right to dispute inaccurate information DEMAND I require that XXXX  : 1. Delete all unauthorized inquiries immediately 2. Provide verification documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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