vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: NC

Complaint narrative:
Complaint Description : In XX/XX/year>, I made a purchase from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of at least XXXX using XXXX  and my monthly payments were {$200.00}. The order was canceled, and the vendor confirmed that a refund would be issued. However, the vendor has not refunded the money to After pay. I have a thread of at least XXXX emails witXXXX XXXX XXXX XXXXnd vendor. 

Despite this, XXXX has continued to process scheduled payments from my account- I canceled my monthly payments and changed card other wise they would be charging me with something I wasnt supposed to pay. I contacted the vendor on recently again and they dont respond at all and the issue remains unresolved. I also contacted XXXX XXXX  to request that payments be paused and they did that but told me I might be sent to collections because vendor is not refunded them money back and I would be responsible As of XX/XX/year>, I have paid for this XXXX times, I want this to be resolved. XXXX going back-and-forth between XXXX XXXX XXXXnd vendor and they both say different things. Meanwhile, I could be sent to collections because they dont receive my payments because of something that shouldve been already taken care of. 

After pay also took at least XXXX weeks to start even answering on my case. Now vendor doesnt respond either. 

I have emailed threads, I have screenshots. I have all information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-25 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am disputing the accuracy of my student loan account as reported by Nelnet to the credit bureaus. Nelnet has sent letters stating they will not verify the account, yet the same information they refused to verify is now reported as verified to XXXX and XXXX. I never received any proof of payments, disbursements, or enrollment records that match what Nelnet is reporting. 

The account shows incorrect balances, dates, past-due amounts, and enrollment history. For example, they claim I attended a school in a year when I did not even live in that state. They also report disbursement amounts and payments that I never received, and they can not provide supporting documentation such as addresses, debit card information, or receipts. 

I have repeatedly requested full validation of this account, including all supporting records, but Nelnet has failed to provide any of this information. Despite this, they continue reporting the account as accurate, which is misleading and violates FCRA requirements. 

I am requesting CFPB intervention to require Nelnet to provide full verification of all reported information or to correct/delete any unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I requested for a ss # to be detached from my name and date of birth. For some reason when my tenants history is being ran another ss # XXXX come up with my name. As reported in XXXX, my identity was breached and this information is incorrect. This ss # has nothing to do with me. I have never lived in XXXX XXXX apartments, signature apartments. I never had no know address in XXXX NC. Please remove all this information from my credit, and rental history. My identity theft documents are attached. Thank you! 

I never used sure deposit for XXXX XXXX XXXX XXXX I owe nothing to any rental history. This was taken off in XXXX. Now for some strange reason XXXX XXXX XXXX add this debt XXXX to my credit report in XXXX XXXX please fix this matter asap and detached this debt from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am a consumer attempting to resolve issues in my credit report. The following accounts are in dispute, and I request your review of these items under the Fair Credit Reporting Act ( FCRA ). These accounts reflect inaccuracies and I am seeking their correction or removal. 

Charged Off Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Loan company still reporting late payments on a charged off accreditation

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 2025-11-25 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: TX

Complaint narrative:
Loan company still reporting late payments on a charged off accreditation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Loan company still reporting late payments on a charged off accreditation

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: DE

Complaint narrative:
CENTRAL PORTFOLIO CONT is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO CONT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was scammed several times and also several times I was denied access to my money for a week or more. Now they have me blocked where I cant get access to my account or anything to recover the dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I pay {$670.00} a month to settle debts with XXXX different creditors. I have been doing this since XXXX of 2024. They have not fully settled with XXXX company yet and I have paid over $ XXXX into this program. I am very confused to where my money is going,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. ''

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 2025-11-25 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-25 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: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute inaccurate information to a vehicle repossession on my credit report, I am requesting an investigation into the following accounts : credit acceptance and decker auto loan the details of this repossession and charge off are inaccurate. Please verify all aspects of this account with original creditor the information is inaccurate and unfair harms my creditworthiness please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute inaccurate information to a vehicle repossession on my credit report, I am requesting an investigation into the following accounts : credit acceptance and decker auto loan the details of this repossession and charge off are inaccurate. Please verify all aspects of this account with original creditor the information is inaccurate and unfair harms my creditworthiness please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
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. ''

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 2025-11-25 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: GA

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I have no ties to these accounts and ask that they be deleted within 15 days as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
My account states that I have 6 accounts that are 60+ days late which is part of my " score ingredients '' payment history and it is negatively impacting my credit score. When I review my credit report, there are no 60+ late payments. I have a bankruptcy on my report that makes it illegal to report anything late after the date of filing ( date of filing was XX/XX/XXXX ). 

The company states that I have 6 " potentially negative '' accounts, but when I view my credit report, there are no late payments reported by any of these companies and status of these on the credit report state " never late ''. 

There is one account specifically that is showing " discharged through bankruptcy '' but this account was not discharged. It was re-affirmed, and payment was made to completion of the loan. I opened disputes on this account and each time Experian comes back with the same status " discharged through bankruptcy ''. 

I have called Experian several times over the last year to sort this out, and getting through to someone other than an AI bot is difficult. I was hung up on twice once reaching a person, and then the third time I spoke to someone I told them the profile the " score ingredients '' they are using on my profile are inaccurate and affecting my credit score negatively. The customer service rep told me they could see accounts that are 60+ days late on their side, and I repeatedly told them that is not what my credit reports or profile show. 

I explained that somewhere in their system they are using different data than what I am seeing on my credit reports, and that it needs to be corrected. How can I dispute something that doesn't actually exists on the report to dispute? 

I have made disputes on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Some data has been updated on the report itself, but my score is still negatively being impacted somewhere in the system. 

Experian won't direct me to an actual IT person to see if there is a disconnect in the system between my report and profile, and the dispute center keeps saying they are seeing derogatory marks for late payments that I do not see on my reports.

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