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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account / company ( XXXXXXXX XXXX  ), has violated my rights.

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

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account / company ( XXXXXXXX XXXX  ), has violated my rights.

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

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX is charging me 699.9998 % interest on a XXXX loan. After reading the usury laws this rate it illegal in my state of Florida. I am requesting the business afford me a more affordable payment for the loan or to forgive the loan due to its ILLEGAL interest rate. They currently having me paying back XXXX and over {$5000.00} in total. I will also be emailing the company and report to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am filing an escalation because Global Lending Services ( GLS ) did not address the core issues in my original complaint. Their response was generic and avoided the actual problem : the loan terms are predatory, unaffordable, and structured in a way that prevents any meaningful reduction in principal. 

My APR is 26.47 %, which is excessively high. Despite making payments, my principal balance has not decreased. Multiple months of payments were applied entirely to interest, which is unreasonable and traps me in a cycle where the loan can never be paid down. GLS did not explain this or offer any assistance.

GLS also failed to address the fact that the financed amount far exceeds the actual value of the vehicle. I am on track to pay nearly {$30000.00} for a car worth around {$5000.00}. This raises concerns of unfair and deceptive lending practices.

Additionally, GLS stated they do not offer interest rate modifications, which contradicts CFPB expectations for loss mitigation on unaffordable loans. They also threatened repossession even though the account is under dispute, which feels retaliatory and inappropriate. 

Their response did not address any of the predatory lending issues I raised, nor did they offer any reasonable solution.

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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
Company Being Complained About : LexisNexis Risk Solutions Issue : Incorrect consumer report / denial of insurance due to inaccurate data Complaint : I am filing a formal complaint against LexisNexis Risk Solutions for issuing inaccurate and contradictory consumer report information that has caused me financial and personal harm. 

Two auto insurance companies, XXXX and XXXX, denied me auto insurance coverage, stating that their decision was based on information received from LexisNexis showing that I had too many insurance claims. 

Because I was shocked by this information, I requested a copy of my LexisNexis consumer disclosure. In response, I received a written letter from LexisNexis stating that they could not locate any file or report under my name. 

This is a serious contradiction : Insurance companies claim LexisNexis provided negative data about me, yet LexisNexis itself claims that no report exists for me. 

This situation strongly suggests inaccurate reporting, file mixing, identity errors, or systemic reporting failures, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ). 

As a result of this inaccurate data, I have been : Denied essential auto insurance coverage Forced to spend extra time and money trying to resolve this issue Placed under emotional and financial stress I

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to cancel my paid Experian membership. 
Experian will not let me access my account unless I pay first, and therefore I can not cancel. 
I have attempted multiple times to contact them by phone and email, but I only receive automated responses. 
I am unable to cancel my membership or stop billing through Experian. 
I am requesting that this account be canceled immediately, with no further charges. 
I have locked my card as to revoke authorization for future payments.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime took {$380.00} from me without notice. It was for my pay balance but I put money on the card so of the time without them touching it. The XXXX time I put my car payment on there they take it without notice. I almost had my car repossessed because of this. I asked to speak to a manager they told me the same thing the agent told me without a resolution then hung up on me when I asked for his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Subject : Debt Validation Violations, Inadequate Notice of Garnishment, and False Credit Reporting Plaintiff/Creditor : Midland Credit Management as XXXX XXXX  Attorney XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am filing this complaint because Midland Credit Management did not provide proper debt validation before initiating collection and wage garnishment in the amount of {$4500.00} and I did not receive adequate or legally sufficient notice before garnishment began. In addition, the company is reporting inaccurate information to the credit bureaus.

VIOLATION OF FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) : FAILURE TO VALIDATE THE DEBT 1. Under FDCPA 15 U.S.C. 1692g ( a ), a debt collector must provide a written notice of debt within 5 days of the first communication, including : The amount of the debt The name of the creditor Notice of my right to dispute within 30 days Notice of my right to obtain verification of the debt Notice of my right to request the name and address of the original creditor I never received : -A legally compliant validation notice -Verification of the debt -Proof of ownership or assignment -A breakdown of the balance -The original contract -A copy of any judgment alleged to exist -Items required under 1692g ( a ) ( 1 ) - ( 5 ) 2. VIOLATION OF DUE PROCESS & FDCPA INADEQUATE NOTICE OF GARNISHMENT Before a creditor or debt collector can garnish wages, they must provide : -Proper legal service -Notice of lawsuit -Opportunity to respond -Notice of judgment -Notice of garnishment action -Time to contest or claim exemptions I did not receive proper notice of : -The lawsuit -The court date -Entry of judgment -Intent to garnish -My right to dispute the garnishment -My right to claim exemptions This violates : FDCPA 1692e ( 5 ) taking action not legally permitted FDCPA 1692e ( 10 ) false & deceptive means FDCPA 1692f ( 1 ) collecting amounts not authorized by law or contract Due Process ( 14th Amendment ) deprivation of property ( wages ) without adequate notice The company obtained or enforced garnishment without proper legal service and without giving me the required opportunity to dispute. 

This is a serious violation.

3. INCORRECT, MISLEADING, AND ILLEGAL CREDIT REPORTING The company is reporting : -Incorrect balances -Increasing balances after charge-off -Monthly delinquencies after charge-off -Delinquencies during periods of wage garnishment -Ongoing negative reporting after the account was paid These violate the FCRA : FCRA 602 ( A ) ( 1 ) right to accurate credit reporting FCRA 607 ( b ) furnishers must follow reasonable procedures for maximum accuracy FCRA 623 ( a ) ( 1 ) can not furnish information known to be inaccurate FCRA 623 ( a ) ( 2 ) must update and correct inaccurate information FCRA 623 ( a ) ( 5 ) must correctly report the date of first delinquency ( DOFD )

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 — Account information incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
This is an official notification that all student loans have been consolidated, and these separate and induvial loans are factually inaccurate.

I am writing to dispute the following accounts appearing on my credit file with you XXXX XXXX XXXX. Under the Fair Credit Reporting Act 15 USC 16181 credit reporting agencies must ensure that all information is accurate, if not, you are legal obligated to remove. Please investigate and remove any inaccurate information that can not be verified. I am requesting you identify which accounts that Nelnet still holds, and which accounts you have transferred/sold. These accounts are inaccurate on its face. You have 20 different accounts with the same partial account numbers with varying recent balances. 

Disputed Accounts/ Nelnet XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXX  DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX  XXXX DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET * XXXX DEPT OF ED/NELNET XXXX  XXXX DEPT OF ED/NELNET XXXX  XXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX  XXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX DEPT OF ED/NELNET XXXX XXXXXXXX NELNET LOAN SERVICING XXXX XXXX Account Numbers : Partial Account Numbers : XXXX. 
Requested remedy : I am requesting that Nelnet Loan Servicing provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies.

1. Assignment Contract or Full Chain of Assignment 2. Transfer Details 3. Bill of Sale Please complete your reinvestigation within the statutory period and mail an updated copy of my credit report to the address above. I am requesting to be provided with the source, to include contact name and method used to verify your findings. If your investigation finds that any of the above accounts are inaccurate were made without a permissible purpose, kindly remove them from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I did not open CASH APP to authorize a transaction.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am formally disputing the accounts and inquiries listed below, as they appear to be the result of a data breach, mixed consumer file, or file mismatch. Under FCRA XXXX, you must maintain fair and accurate reporting; under FCRA XXXX ( b ), you must follow reasonable procedures to assure maximum possible accuracy ; and under FCRA XXXX, you must reinvestigate and delete unverifiable or inaccurate information. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$280.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$720.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$910.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
These and other tests were order by my doctor some were paid by insurance provider and then they keep billing for this one. Was not informed at time of procedure and to date no one has been willing or able to explain the charges to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase on PayPal by using the XXXX offer shop link in 15 % cash back on XX/XX/year> The subtotal is {$78.00} that means I should receive the {$11.00} cash in 14 days after purchase. 

XX/XX/year> I got a response from PayPal, I was told this offer was provided by XXXX and is not by PayPal. Then I contacted XXXX and I was told the promotion was on external platform ( PayPal ), so PayPal should issue me the cash back. They also told me that I did not save the offer before I purchased. Come on, there is the link you provided to me instead of the offer. I am pretty sure I activated the offer and used PayPal to check out! 

I believe XXXX was right because the platform like XXXX did the same thing, I made a purchase via XXXX, then XXXX issues me the cash back instead of the merchant. 

In PayPal official website says the purchase rewards will be the PayPal rewards point can be redeemed to cash. Please see the screenshot I provided. 

PayPal want me to contact XXXX to issue a PayPal reward points? How come they can issue me the PayPal reward points? Let me ask you! Can PayPal can issue the XXXX credit to me? It is a crazy problem. 


PayPal is absolutely liar. I believe that. PayPal offers are the fake advertisers, please take action against to PayPal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My father passed away in XXXX of XXXX. After settling all other matters of his estate, I, being the executor sought to close an IRA at M & T bank and have the funds distributed to the three beneficiaries, myself, my brother and my nephew ( my father 's grandson ). We were provided with paperwork to file to claim our shares of the account. All 3 beneficiaries completed the forms in XX/XX/XXXX and awaited the checks. At the time there was no indication that there was any problem regarding the named beneficiaries. The beneficiaries were established as such in XXXX, following the death of my mother who had previously been the beneficiary. As checks were not forthcoming we checked with the bank to find out why. We were told there was a problem the beneficiaries. M & T said we had to go back to the backup beneficiary listed on old documents from XXXX. M & T lost our beneficiary information. The secondary beneficiary listed in XXXX was my sister. Since XXXX and my mother 's passing it was clear to all, including M & T, that the beneficiaries had changed. M & T has not paid the beneficiaries and has not offered an explanation. Myself and other family members have been calling and asking for release of the funds to the correct beneficiaries quite often for the past 3 months to no avail and without explanation.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief