vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: WI

Complaint narrative:
XXXX XXXX has mocked me, lied, taken zero accountability, and retaliated against me for for complaining about the abuse. Up until my complaint, there were tasks to grow my account. Now they say I have to spend {$100.00} to grow again. I thought this was a totally different product with excellent customer service. They lie over and over again. They say they are there to help, that is a lie. They have done nothing but make me lose wages to argue like XXXX times without them even attempting to fix the situation. I am facing major XXXX from the way they treat me. They are non responsive. They have hurt my financial profile. The card is a scam. I can only spend {$10.00} XXXX without hurting my credit. I do not go above 20 % ever as I have learned the game they play. They are mad because they can not rip me off. And they are attacking me. They could be behind my identity theft happening currently. I do not trust these criminals. They are discriminating against me for voicing complaints about a deceptive product. The original complaint was about the deception of the product and services received. They should not be able to market this card as a help to anybody. It is a destructive product and they promote that you hurt your credit. They have no knowledge of credit reports and how they really work. They should not be allowed to run this criminal enterprise that attacks anyone who speaks up.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Subject : Formal Notice of Dispute, Vehicle Inoperability, and Demand for Temporary Suspension of Loan Obligations Account Number : XXXX Dear Credit Acceptance Corporation, This letter serves as formal notice of dispute regarding the above-referenced auto loan for a XXXX XXXX XXXX financed on XX/XX/XXXX. Within approximately XXXX weeks of purchase, the vehicle suffered a catastrophic mechanical failure rendering it completely inoperable. The vehicle can not be driven, used, or relied upon for its intended purpose. 

Under Michigan Compiled Laws XXXX et seq. ( Michigan XXXX XXXX ), a motor vehicle that develops a substantial defect shortly after purchaseone that materially impairs the vehicles use, value, or safetyqualifies for statutory remedies. An engine failure occurring almost immediately after purchase meets this legal threshold and places the vehicle in dispute. 

Accordingly, this account is hereby disputed in its entirety pending resolution of the vehicles condition. While this matter is under investigation and legal remedies are being pursued with the selling dealership and applicable parties, I am formally demanding that all loan activity be placed in temporary suspension, including but not limited to : Monthly payment obligations XXXX of interest XXXX of late fees or penalties Any adverse credit reporting to consumer reporting agencies Requiring payment on a vehicle that is non-operational and subject to statutory relief would be unreasonable, inequitable, and inconsistent with good-faith lending and consumer protection standards. Any negative credit reporting during the pendency of this dispute would be inaccurate, misleading, and contested, and would be addressed accordingly. 

This notice is provided in good faith and creates a written record for compliance, regulatory, and credit reporting purposes. I request written confirmation within a reasonable time that the account has been placed in a hold or dispute status and that no adverse action will occur while this matter remains unresolved. 

Failure to appropriately address this dispute XXXX necessitate further action to protect my rights under applicable state and federal law. 

Sincerely, XXXX XXXX XXXX : XXXX Email : 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB COMPLAINT EQUIFAX Issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax Information Services LLC Complaint Narrative ( Equifax ) I am disputing the accuracy and source of XXXX public-record information appearing on my Equifax credit file. 


Equifax is currently publishing multiple XXXX petitions on my credit report that were dismissed by the XXXXXXXX XXXX XXXXXXXX and should not be reported as active or adverse public records. The petitions were dismissed and never resulted in a discharge or adjudication. 


XXXX own disclosures identify XXXX XXXX XXXX as XXXX third-party vendor for XXXX  public-record data. 

However, XXXX has provided conflicting written statements, including claims that the data does not exist or can not be located. 


I am requesting that Equifax : Confirm in writing whether XXXX XXXX XXXX is the source of the XXXX public-record data being reported on my file. 


Identify which entity furnished each bankruptcy record, including furnish dates. 


Explain why Equifax continues to publish dismissed XXXX petitions as public-record derogatories. 


Immediately delete all dismissed bankruptcy entries that can not be verified as accurate and complete. 
XXXX dismissed petitions violates XXXX duty of maximum possible accuracy under 15 U.S.C. 1681e ( b ) and its duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 

I am requesting written confirmation of correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information that appears on my Experian credit report. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Authorized User Account This account is listed as an authorized user account on my credit report. I did not authorize the address associated with this account, nor did I consent to being linked to that address in any way. I am disputing the address connected to this account and request that Experian remove any address information tied to XXXX that I did not authorize. 

Please note that I am not financially responsible for this account, and any address data associated with it is inaccurate and should be deleted from my credit file. 

XXXX XXXX XXXXXXXX Fraudulent Account The account listed under XXXX is fraudulent. I did not open, authorize, or benefit from this account. Additionally, the address associated with this account does not belong to me and was never authorized by me. 

I am requesting the following actions : Immediate removal of the XXXX  account from my credit report. 
Immediate removal of the XXXX account from my credit report. 

Removal of any addresses associated with this fraudulent account Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian investigate these items and remove any information that can not be verified as accurate. 

Please provide written confirmation once the investigation is complete and the inaccurate information has been corrected or removed. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Thank you for your prompt 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
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-XXXX XXXX HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4. 


SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED XXXX 
I WAS ONLY AN AUTHORIZED USER. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have sent 3 series of communications to validate the debt of the loan and have not gotten and answer to any of my questions yet. Only a payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
placed alleged debt which I don't owe on consumer report without any communication or notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was charged for items I did not receive through XXXX. With documentation XXXX has stated they did not charge my card although American Express has charged it as services received. Even with photo evidence to the contrary. The dispute has been denied over and over even with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
CFPB COMPLAINT EXPERIAN Issue : Credit reporting Public records ( Bankruptcy ) Company : Experian Information Solutions , Inc .

Complaint Narrative ( Experian ) I am disputing the reporting and sourcing of bankruptcy public-record information on my Experian credit file. 
Experian previously reported multiple bankruptcy petitions that were dismissed by the Bankruptcy Court and never resulted in discharge. Experian later removed these entries, confirming they were not reliably verifiable. 
Experians public disclosures state that XXXX XXXX XXXX is a provider of bankruptcy public-record data to Experian. However, XXXX has since issued conflicting statements regarding the existence and sourcing of the same data. 
I am requesting that Experian : Confirm whether XXXX XXXX XXXX supplied the disputed bankruptcy data previously reported on my file. 
Identify the date and source of each bankruptcy record previously reported. 
Confirm that the dismissed petitions will not be reinserted into my credit file. 
Provide written confirmation that Experian will not publish dismissed bankruptcy petitions lacking court-certified accuracy. 
Reporting dismissed bankruptcy petitions violates Experians obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4. 


SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED BANKRUPTCY. 
I WAS ONLY AN AUTHORIZED USER. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/year>XXXX  ( XXXX XXXX, no doubt ) I sent a mistaken transaction to a friend over CashApp. The mistake was innocent, in that my friend mistyped her email by XXXX letter. We realized this immediately when she did not receive the email, and I went to look for a refund. The company not only did not provide easy access to petition the refund, but REFUSED to refund or be of any real help as I have screenshots to attest. The amount was {$150.00}. When I asked what they could do they basically said nothing sorry. Then when I asked where the money would go or if it would come back after a certain period of time, they said no, it will not return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: OK

Complaint narrative:
I am unable to access my Cash App account. I can receive login verification codes, but I am blocked by a Cash PIN that I do not remember. 

Cash Apps in-app support has been unable to help, and I am stuck in a recovery loop. 

There is an incoming payment of approximately {$700.00} sent on XX/XX/year> that I can not access. 

I am requesting manual identity verification and restoration of access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MD

Complaint narrative:
I have requested several times for my account to be retitled to my trust, and I am being denied my free republic right. They have provided false information to the credit agencies for the last year, and it has harmed me in more ways than I can write at this moment. I have paid on this account via remittance coupon/security, and they have not returned it to me at all. Instead, they break the law by scamming me and ignoring my payments. I have sent several letters to the company and all three credit reporting agencies and they have not done their job. Nelnet/US dept of education only sends me the bill and the contract, which clearly states they are committing securities fraud in my name. When I signed a contract, it was not for them to turn the contract into digital money to trade on the secondary market. It was not so they could make millions and billions of dollars from me and my signature but still ask me for money on the account. THIS IS WRONG AND ILLEGAL!! They have to stop this. I do not consent to give them any security interest and I NEVER DID!! KNOWINGLY!! SO, to wrap it up, they have reported false/fraudulent information to the credit agencies, they have not processed my payment, they have not allowed me my right to retitle to my trust name, and they have committed securities fraud in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715. 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

SOMEONE ELES CREDIT CARDS. 
THEY HAVE FILLED BANKRUPTCY. 
I WAS ONLY AN AUTHORIZED USER. 
THE DEBT DOES NOT BELONG TO ME. 
I NEVER USED THE CARDS OR HAD ACCESS TO THE ACCOUNTS.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Placed alleged debt on consumer reports. Sent letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
Account : XXXX XXXX  ( Account # XXXX ) Violation : Illegal Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) The XXXX XXXX  account ( Account # XXXX ) was previously investigated and DELETED MULTIPLE TIMES, including documented deletion on XX/XX/year>, and has been illegally reinserted today, XX/XX/year>. This reinsertion violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), as the CRA failed to provide the mandatory five-day prior written notice and certification of accuracy before reinsertion. There is NO basis for further investigationthis is a willful, illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My Cash App account was hacked, all my money was withdrawn, and the account was closed. Cash App conducted an investigation and sent me an email on XX/XX/XXXX that the investigation was complete. And to send them where I would like to reimbursed either via check or my new Cash App account. It is now the XXXX and I havent received anything. Then they just responded to my initial complaint on here something completely different from the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Iam Filling a complaint against Transunion for allowing multiple unauthorized hard credit inquiries to be placed on my credit report. I have 6-8 hard inquiries from automobile dealerships and lenders that I did not give permissible purpose or written authorization for. These inquiries appear to have been generated through dealership " shotgunning '' or slingshot submissions, where my information was sent to multiple lenders without my consent. 1.Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) 2. ( FCRA 1681e ( b ) - failure to maintain reasonable procedures.

Hard inquires require a permissible purpose. I did not authorize these inquiries individually, nor did I authorize my credit report to be shared with multiple lenders.

3. ( DTPA ) Texas Deceptive Trade Practices ( Tex. Bus. & Com. Code 17.46 ) false, misleading, or deceptive acts. Iam requesting that Transunion conduct a lawful reinvestigation and remove all unauthorized hard inquiries immediately.

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