vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to XXXX regarding an account reported by Credit Acceptance Corporation. I requested verification of the reported balance, the alleged repossession, and documentation to justify the monthly delinquency reporting that has been continued for over XXXX years after the account was closed. 

Shockingly, XXXX marked the dispute as both completed and verified on XX/XX/XXXX, XXXX very same day it was submitted. This raises serious concerns about whether a proper reinvestigation was conducted under FCRA 611 ( 15 U.S.C. 1681i ). There is no indication that Equifax reached out to the furnisher for supporting documentation or conducted a meaningful review. 

The account in question continues to report as active delinquent XXXX XXXX XXXX XXXX every month, even though the vehicle was reported reposted in XXXX. This is misleading, damaging, and inconsistent with the FCRAs requirement to maintain accurate, current information. I was never provided documentation verifying how the balance was calculated, whether the vehicle was sold, or proof that I was ever notified about a delinquency. 

I am currently trying to buy a home for my family, and this inaccurate account is actively hurting my chances of qualifying for a mortgage - even thought this debt is from XXXX. Ive worked hard to rebuild, and this feels like XXXX being penalized over and over again. 

I am requesting that the CFPB conduct a full investigation into XXXX dispute handling process and require Credit Acceptance Corporation to produce the proper documentation. If they can not verify this information with actual records- not automated responses - this account should be deleted immediately. I just want a fair shot to move forward and provide stability for my children.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am a full-time student with a XXXX private student loan through Sallie Mae XXXX XXXX disbursed between XXXX and XXXX. Despite being actively enrolled in school, I was informed that I have used all of my in-school deferment time and Sallie Mae refuses to provide any payment options other than full payments that I can not afford. 

I have submitted detailed financial documentation, including their income reports, showing that I am experiencing financial hardship. Sallie Mae representatives initially contacted me stating they had options to work with me, but when I respond, they tell me no options are available only full payments. They have been leaving voicemails and contacting people other than myself and my co-signer. They have told me I am being stupid and difficult for not reaching out and agreeing to these unaffordable payment options, which I found disrespectful and coercive. 

Additionally, they misled me early into the loan terms when applying for forbearances. They only gave me 1 month forbearances, and it wasnt until I spoke to the customer service department that I became aware that I was eligible for 34 months forbearances for the same situation. Had I been made aware earlier, I could have extended my coverage and avoided being pushed to the edge of default. 

The lack of transparency, inconsistent information, and refusal to offer reasonable hardship accommodations has left me in a financial and emotional crisis. Even with making interest payments, my loans have cumulated to over {$120000.00}. I am trying to stay in school and build a stable future, yet Sallie Mae is offering no legitimate path forward, despite my efforts to cooperate and communicate in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I.m. dispute these three items under jurisdiction on my credit report ... and company don't know nothing about these items. 
XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX unauthorization

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I will not pay the gym club membership debt as i told to cancel it beforehand but now they want me to pay money for something i didnt use which is utterly stupid now they put aldous a debt collector to make me pay it, i will not pay something i did not use, unless i did i want more information on that matter and they dont provide an email just a number, im not going to speak to a robot just to discuss this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-23 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: NY

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-23 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
This is additional information related to claim # XXXX. 
I deposited {$350.00} into my Revolut account shortly after a {$400.00} transaction I made was later identified as fraudulent. Although I reported the fraud the same day, Revolut did not process the {$350.00} deposit until after the {$400.00} chargeback was initiated by XXXX. I was given a temporary credit adjustment of {$400.00} back from my bank on XX/XX/XXXX. On XX/XX/XXXX, my bank took {$400.00} from my Revolut account, causing my Revolut balance to go negative. I was not informed by XXXX XXXX XXXXXXXX that they would do this, nor was I informed by Revolut that they would automatically apply my {$350.00} deposit to cover the negative balance. My current XXXX account is at - {$46.00}. I did not authorize this application of funds and have requested a refund, which XXXX has refused, citing internal policies. I have filed a dispute with XXXX on XX/XX/XXXX. I have filed a claim with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
In early XXXX, my federal student loans serviced by Nelnet were in forbearance and under active Income-Driven Repayment ( IDR ) plan review. Despite this, Nelnet reported my accounts as XXXX, XXXX, and XXXX days past due on my Experian credit report for the months of XXXX through XX/XX/year>. 

In XX/XX/year>, the account was shown as current, then without warning or explanation, it jumped to 90 days delinquent in XXXX. This sudden shift is inaccurate and unjustified, particularly while my loans were in a non-repayment status protected under federal IDR review or forbearance. 

Nelnet has since updated the account to reflect a {$0.00} balance and Paid in Full as of XX/XX/year>, with the last payment received on XX/XX/year>. Their own records confirm that there is no outstanding principal or accrued interest, and that my loans are fully satisfied. 

I contacted Nelnet to request clarification and received a statement acknowledging the loans were delinquent, but claimed they do not report delinquencies until 90 days past due. This explanation does not align with the fact that the loans were in review, non-active status, and later paid in full. The Experian credit report still reflects severe delinquency despite the resolution of the loans and no active obligation on my part during that timeframe. 

I have disputed this multiple times with Experian and received no correction. These negative entries are significantly damaging my credit score and do not reflect the current or historical status of the account. 

I am requesting : Immediate removal of the XXXX, XXXX, and XXXX late payment notations A full correction of the payment history And the complete removal of these student loan tradelines from all credit reporting agencies, as the loans are paid in full, closed, and were reported inaccurately during the time of XXXX XXXX I have attached supporting documentation including screenshots of Nelnets system showing Paid in Full, a {$0.00} balance, the last payment, and their written explanation of the reporting timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This loan was falsely taken out in the XXXX by a person with a similar name. I PAID this loan under duress in approximately the year XXXX, OVER XXXX  YEARS AGO. The account is being reported as new, and it is not. This furnished information is inaccurate ; a zero-dollar balance can not be substantiated and is false. This false information has decreased my XXXX XXXX XXXX points, and I demand removal from the credit bureaus. This is a blatant violation of the Fair Debt Collection Practices Act.

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 2025-06-21 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:
I am not understanding why Experian can not correct my credit report like Transunion and Equifax did. I have done the same thing by disputing XXXX XXXX XXXX XXXX and XXXX. The status shows paid snd closed but this is negatively effecting my Experian report. XXXX XXXX snd Equifax were able to correct this errors allowing my score to go up to the mid XXXX I am in the mid XXXX with Experian due to errors on my report they state is accurate. It clearly shows the account is paid and closed I need it removed it is hindering me from purchasing a home. Also I have attempted to speak with a licensed representative multiple times, the robot doesnt let me and it continuously hangs up when I need help and explanation as to what is going on in my report. I currently have open disputes but I would like them to be viewed accurately.

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 2025-06-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited {$800.00} cash into a Citizens Bank ATM on XX/XX/year> at XXXX. 

The machine kept my cash and didnt credit my account. I was printed a receipt stating we encountered a problem returning your cash. 

Its almost XXXX weeks and I havent heard anything from Citizens Banks and my account still isnt credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Experian for reporting an inaccurate and unauthorized address on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXX, AE XXXX I have never lived at, used, nor authorized this address to be associated with my identity. I believe this is either a case of file merging, identity theft, or administrative error. Despite my repeated attempts to have this incorrect address removed from my credit file, Experian has failed to take proper action in accordance with the law.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation after a dispute is raised.

2. FCRA, 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Issues : The address is not and has never been associated with me.

It may negatively affect my creditworthiness and lead to mixed files or identity theft.

I have previously disputed this information directly with Experian, yet it remains on my report.

This causes significant distress, confusion, and potential damage to my credit profile.

Requested Resolution : I respectfully request the immediate deletion of the inaccurate address XXXX  XXXX XXXX XXXX XXXX, AE XXXX from my credit report maintained by Experian. I also request that CFPB investigates Experian 's failure to follow proper procedures and ensure compliance with the FCRA. 
Thank you for your attention to this matter.

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