vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting of my federal student loan serviced by Nelnet and furnished by the U.S. Department of Education. 

My XXXX credit report shows contradictory and inaccurate information for the same loan, including : The account being reported as Current while simultaneously reflecting 90-day and 120-day late payment statuses Late payment reporting during periods marked with deferment or payment deferral codes ( PDE ), which is inconsistent and misleading Inaccurate past-due balances appearing during months where payments were not required or where the account was reported as current Reporting a loan as both deferred and delinquent for the same time period violates the Fair Credit Reporting Acts requirement that information be reported with maximum possible accuracy under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

Additionally, furnishing late payment information during periods of deferment or administrative forbearance is materially misleading and has caused ongoing harm to my credit profile. 

I have disputed this information with XXXX. If Nelnet and/or the Department of Education can not produce documentation proving that payments were legally due during the months reported as delinquent, the inaccurate late-payment history must be corrected or deleted. 

I am requesting : 1. Immediate correction or deletion of all inaccurately reported late payments 2. Written confirmation of the investigation results 3. Assurance that future reporting will accurately reflect deferment, forbearance, and payment status Failure to correct this inaccurate reporting constitutes continued noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX account was previously deleted from my TransUnion credit report and later reinserted without proper notice. I did not receive any written notification of reinsertion as required by the Fair Credit Reporting Act. 
In late XX/XX/year>, I spoke with a TransUnion representative who stated that the reinsertion notice was sent via regular mail. Despite this claim, I never received any such notice, and TransUnion has not provided documentation showing certification of accuracy by the furnisher or proof that written notice was sent within the required timeframe. 
As a result, inaccurate and unverified information is currently being reported on my credit file. This has directly impacted my creditworthiness, my ability to qualify for credit, and my ability to move forward with a major financial purchase. I have taken appropriate steps to resolve this matter, but XXXX failure to comply with reinsertion procedures has caused ongoing harm.

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 2025-12-29 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: MS

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ( XXXX ) Product : Auto Loan Issue Type : Loan servicing and billing statement errors Account Status : Paid in full I am submitting this complaint regarding serious auto loan servicing and recordkeeping failures by XXXX XXXX XXXX XXXX ( XXXX ). 

During the term of my auto loan, XXXX migrated my account as part of a XXXX system merger and reassigned a new account number. After this system migration, my account records became incomplete, internally inconsistent, and unreliable. 

Specifically : - XXXX failed to provide multiple required monthly billing statements, including at least XXXX, XXXX, XXXX, and XX/XX/year>, despite repeated requests. 
- Statements provided after the system migration contain inconsistent and contradictory information, including payoff balances that increase month-to-month and a statement reflecting a negative balance while simultaneously listing a payment due. 
- XXXX monthly statement omitted the loans interest rate entirely. 
- The reassigned account number was never accompanied by a complete reconciliation explaining how balances and payment history transferred from the pre-migration system. 

I ultimately paid the loan in full ; however, I was forced to do so without access to a complete and accurate billing history. This prevented me from verifying the accuracy of the balance, interest calculations, and payment application prior to payoff. 

Despite requests, XXXX has not provided all missing statements, a full payment history ledger, or written confirmation that no adverse credit reporting occurred as a result of these servicing failures. 

Requested XXXX I am requesting that XXXX XXXX XXXX XXXX be required to : XXXX. Provide all missing monthly billing statements for the life of the loan XXXX. Provide a complete transaction and payment history ledger from origination through payoff XXXX. Provide a written reconciliation explaining how balances were transferred during the XXXX system migration XXXX. Provide written confirmation that the loan was paid accurately and that no negative credit reporting occurred as a result of these errors Supporting Documentation - Copies of billing statements provided by XXXX - XXXX of final payoff - Correspondence referencing the system migration and account number reassignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received an American Express gift card for {$2500.00}. Since then I have tried to use it multiple times at many online retailers, and each time, the card is declined. I have asked, through the customer service chat, how I can use the card and they say it is because the address can not be verified. However, upon asking American Express how to verify my address, I am told that I can not do that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: 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, CHALLENGED OR NOT.

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 2025-12-29 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: VA

Complaint narrative:
Dear This letter is being sent to you in response to : Check XXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal ounsel for suit. This includes any listing of any information to a credit reporting repository that coul XXXX inaccurate or invalidatec It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
For the last month I've been trying to look at my existing account online that is all I want to do chime will not let me login too my account because it says I have a unfinished account I keep telling them that I dont and that I already have a existing account that is still active that I use this is so frustrating just too check a my online account I had someone send me money for my kids birthday and I couldn't get access too it because I have too accept it online first and chime wouldn't let me this little problem ruined my daughter birthday party because I couldn't accept money that was sent too me I had no problem accessing my account online before don't know why it's a big deal now so chime told my too go in an update it which I did still no solution not only that this other service chime provides is something called XXXX me when your friend can spot you money I couldn't get access to that either cause I can not login into my account not only that I tried to to order spot me and chimes says I need a debit or credit card on file and not too sorry I will not be charged for anything as soon as I put a card on file it immediately charged me XXXX dollars that is false advertisement and it overdraft my card now I have a negative balance so now I couldn't accept money that was sent and they took money I did not have and most of all ruined a very special important day for my daughter that was very cruel and unprofessional over something I could just look up for myself without something chime could have just took down I have a existing account for the XXXX time with a existing card I do not have a unfinished account I would give you my account number and routing number for my account to chime but I don't have access to it because I can not login too an account that I've been I've been logging into since I had it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
I am filing a complaint regarding one public record and multiple related accounts that continue to be reported on my credit file despite having been discharged through bankruptcy. The public records in question are being reported as XXXX XXXX bankruptcies under the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed in writing that they do not report consumer information to credit bureaus. I have attached a notarized letter from the court verifying this fact. Therefore, the continued reporting of these public records is inaccurate and unlawful. Additionally, I previously sent a notarized dispute letter to your agency regarding these public records as well as the accounts included in the XXXX XXXX that were discharged. The accounts still reporting with Debt included in or discharged through Bankruptcy XXXX XXXX  comments are as follows 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 XXXXThese accounts were discharged through bankruptcy, which means they are no longer legally enforceable debts. Under the U.S. Bankruptcy Code, once a debt is discharged, creditors are prohibited from attempting collection or continuing to report such debts in a way that implies enforceability. Furthermore, many of these accounts are now obsolete and exceed the permissible reporting period under FCRA 605 ( a ), which limits the reporting of negative information to seven years. Their continued presence is unlawful. By continuing to report discharged, obsolete, and inaccurately coded accounts, you are in violation of your obligations under the Fair Credit Reporting Act, including FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report with maximum possible accuracy ). Additionally, under FCRA 604, consumer reporting agencies may only furnish information where there is a permissible purpose. Reporting inaccurate and unenforceable accounts exceeds permissible purpose and causes ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates continues to call me repeatedly regarding an alleged debt despite acknowledging my prior CFPB complaint and stating they need more time to respond. I accidentally answered a call today and the representative was aggressive, harassing, and refused to stop calling even after I referenced the ongoing complaint and requested written communication only. 

This violates my right to request limited communication, and I believe this constitutes harassment under the FDCPA. I am requesting the CFPB investigate and stop the continued phone harassment during an active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash App closed my account $ bondsherrie without notice after XXXX completed payments totaling {$970.00} were deposited into my Cash App balance. The payments included {$870.00} from XXXX XXXX and {$100.00} from another sender. Both transactions were marked complete and deposited to my XXXX balance before the account was closed. I used the email XXXX for my Cash App. 

After the account closure, I was locked out and could not access the funds. I contacted Cash App customer support by phone to request an explanation for the account closure and the status of my funds, but I was not provided a clear reason, the specific Terms of XXXX allegedly violated, or a timeline for the release of the funds. 

Because my account has been closed and I can not access the money, I am requesting that Cash App return the {$870.00} payment to the original sender, XXXX XXXX, or otherwise release the funds with written confirmation of the method and timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX inaccurate and unlawful credit reporting on my student loan account XXXX on XX/XX/2025. 
XXXX XXXX is reporting a 60-day late payment on my credit report. This information is completely false. I have never been 60 days late on this account, and I have never missed a payment in a manner that would justify this level of delinquency. 
Most importantly, XXXX XXXX never reported a 30-day late payment on this account. A 60-day delinquency can not legally or logically exist without a prior 30-day delinquency. Reporting a standalone 60-day late payment is misleading, inaccurate, and not verifiable. 
I previously disputed this error directly with XXXX XXXX, yet they failed to correct or remove the inaccurate information. Their failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or misleading information. Under 15 U.S.C. 1681e ( b ), they must maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be verified as accurate. 
A reported 60-day delinquency without any prior 30-day delinquency is inherently inaccurate and demonstrates that XXXX XXXX failed to conduct a reasonable investigation. This false reporting is causing significant harm to my credit profile.

Company response to consumer: Closed with explanation