vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding Santander Consumer USA and their repossession agent for an unlawful, deceptive, and abusive repossession of my vehicle. 

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX, and it was dismissed in XX/XX/XXXX. After dismissal, Santander never sent any notices, including : No notice of default No right to cure No intent to accelerate No post-repossession notice of sale No reinstatement or redemption information They also blocked my access to their online portal, which prevented me from making payments and curing the default. This directly contributed to the alleged default and is an unfair and deceptive practice. 

On XX/XX/XXXX, my vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) was repossessed with multiple violations : XXXX. The repossession agent entered clearly posted private property. 
XXXX. I was awakened abruptly at my residence. 
XXXX. The agent refused to leave when asked, which is a breach of peace under Georgia law. 
XXXX. The agent attempted to move the vehicle while I was near it, putting me in danger. 
XXXX. I was not allowed to retrieve my personal property from the vehicle, including multiple valuable items. 
XXXX. I received no legal notices whatsoever from Santander before or after the repossession. 
Santander has also failed to provide : A written accounting A statement of the amount owed A notice of sale Redemption or reinstatement terms This repossession was wrongful and violated Georgia UCC 11-9-611, 11-9-612, and 11-9-614, as well as the general duty of good faith under 1-304.

Blocking my ability to make payments, failing to send required notices, and allowing a repossession involving a breach of peace constitute deceptive, abusive, and unfair practices. The towing companys conduct also endangered my safety. 

I attempted to resolve this with Santander, but they have not provided the notices or accounting required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: ID

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2025-12-02 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: World Acceptance Corporation
State: MS

Complaint narrative:
I am requesting full deletion of the WORLD ACCEPTANCE / WORLD FINANCE account from all credit bureaus. The company has already confirmed this account is past the statute of limitations and legally uncollectible. Continuing to report negative payment history is misleading and violates the FCRA requirement that all information be accurate, complete, and not deceptive. 
Because no legally enforceable debt exists, the account should not continue harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This letter constitutes a formal request for debt validation pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). It also serves as notification that I dispute the validity of this alleged debt in its entirety and hereby demand that you cease all collection activity, including reporting or re-reporting any information to any credit reporting agency, until you provide a complete, specific, and verifiable validation of the alleged debt.

Since you claim to be the owner or authorized collector of this debt, you are legally required to provide the following documentation for your claim to be considered valid : THE FOLLOWING IS REQUIRED 1. Original Signed Contract A clear and legible copy of the original contract bearing my signature, establishing the obligation with the original creditor.

2. Full Chain of Title All assignments, transfers, or sales from the original creditor to your entity, dated and signed.

3. Proof of Holder in Due Course Status Under Uniform Commercial Code ( UCC ) Articles 3 and 9, you must demonstrate that you currently have the legal right to collect, not merely an assigned or transferred claim without proper legal standing.

4. Pooling and Servicing Agreement ( PSA ) If this alleged debt has been securitized, provide the complete PSA and the Schedule of Assets specifically identifying the debt you claim to collect.

5. Detailed Itemization of the Debt Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) and the amended FDCPA, include the following : Original principal amount Interest applied Fees, penalties, or additional charges Payments made, if any 6. Proof of Legal Standing or Authority

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MSCB, Inc.
State: AR

Complaint narrative:
I had a doctors visit that shouldve resulted in a {$30.00} co-pay. I received a {$180.00} bill for the visit. I contacted XXXX XXXX XXXX multiple times to remedy the issue. I was assured the issue was fixed and no further action was needed by me. I have since received a debt collections notice on the {$180.00}. I have tried contacting XXXX XXXX XXXX an uncountable amount of times to fix this. They keep passing me off to different people and the problem persist. I have spent hours dealing with this. To make matters worse, I am also covered under XXXX XXXX XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am a consumer trying to resolve inaccuracies on my credit report. I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) for assistance in rectifying the following accounts, which I believe contain errors. Please see the details of the accounts in dispute below, separated by credit bureau. 

Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$800.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$230.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$640.00} XXXX  XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$420.00} Inquiries : No inquiries listed for EQ.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App made an error with my account and closed my account abruptly, with no reason stated. 
Years Later found out it was an error on there end, and issued me a refund for the funds. Because it was years ago the card on file is currently expired and no longer active. They state that is the only way to recover my funds, so I am once again at a lost of funds that is owed to me. No one is trying to help me. One agent asked me to create a new acct, I did just that. On the phone with him he ask me to verify the acct. Because they closed my first account they will not allow my social to open another. The agent stated Im sorry I can not help you. 
I honestly just want what is owed to me, with out getting a lawyer. This has been extremely frustrating, stressful and taking a toll on my life. On the everyday basis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint because SYNCB/PPC ( PayPal Credit ) continues to report inaccurate, conflicting, and unverifiable information to the credit bureaus and has failed to validate the account after multiple written disputes sent by certified mail. 

I sent the following disputes to SYNCB : Debt Validation Request XX/XX/year> ( received via XXXX mail ; copy attached ) requested itemization, the original contract, payment history, and authority to charge off the account SYNCB did not respond with any validation Formal Escalated Dispute XX/XX/year> ( my XXXX dispute ; copy attached ) documented direct contradictions between XXXX  and XXXX  regarding balance, high balance, payment history, remarks, and months reviewed SYNCB again failed to validate, correct, or respond Despite multiple certified disputes, SYNCB has never provided : any written validation, any accounting or itemization, any copy of the signed agreement, any payment history, or any documentation supporting the reported balance that exceeds the credit limit. 

Conflicting and Inaccurate Credit Reporting ( Documented Evidence ) The information SYNCB is reporting varies drastically between credit bureaus. Examples include : High Balance Conflict : XXXX  : {$5100.00} XXXX  : {$0.00} ( Shown on page XXXX of my XXXX XXXX dispute. ) Payment History Conflict : XXXX  : No payment history at all XXXX  : 26 months of late payment history ( XXXX, XXXX, XXXX, then charge-off ) ( Shown in the Payment History Conflict section. ) Remarks Conflict : XXXX  : Unpaid Balance Reported As A Loss By Credit Grantor / Dispute Resolved Consumer Disagrees XXXX  : No such remarks ( Shown in the Remarks Conflict section. ) Months Reviewed Conflict : XXXX  : XXXX XXXX  : XXXX ( Shown in the Months Reviewed conflict. ) Balance exceeds credit limit XXXX : {$5100.00} Credit limit : {$4100.00} SYNCB provided no explanation or itemization for the excess. 

These inconsistencies violate the FCRA requirement for maximum possible accuracy and show that SYNCB is not furnishing consistent or verifiable information. 

Legal Violations SYNCB Violations ( Furnisher ) : FCRA 1681s-2 ( a ) Duty to report accurate & consistent information FCRA 1681s-2 ( b ) Failure to investigate after receiving multiple valid direct disputes Failure to provide validation as required under FDCPA 1692g ( b ) CRA-Related Implications : FCRA 1681e ( b ) Bureaus can not rely on inconsistent data FCRA 1681i ( a ) If the debt can not be verified, the CRAs must delete it

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 2025-12-02 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have no knowledge of this account or what it was for, nor have I received any XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
This is a follow-up to my previous CFPB complaint # XXXX which Nelnet marked as resolved XXXX but the issue is NOT fully resolved. 
BACKGROUND : My Nelnet account XXXX consists of XXXX loans XXXX XXXX AA and XXXX XXXX ). I attempted to pay both loans multiple times before they reached 90 days past due, but Nelnet 's payment system repeatedly rejected my payments despite valid payment information and sufficient funds. I contacted customer service numerous times. Finally, on XX/XX/year>, after a representative suggested I delete and re-add my payment method, I paid BOTH loans in full with one lump sum payment. 
NELNET 'S PREVIOUS RESPONSE : In response to complaint # XXXX, Nelnet acknowledged XXXX writing that : I made " multiple good faith payment attempts '' Their " payment system rejected and returned your payment despite having valid information and sufficient funds '' I " spoke to us multiple times '' I paid in full " immediately once your system worked '' PARTIAL RESOLUTION : Following my complaint, both TransUnion and Equifax completed XXXX and REMOVED delinquency reporting from XXXX portion of this account ( Account * XXXX, Group AA XXXX {$2000.00} loan ), confirming Nelnet 's XXXX was inaccurate. Both bureaus updated this account to show " Pays As Agreed '' with no late payment marks. 
UNRESOLVED ISSUE : Despite Nelnet 's admission that their system failures affected the ENTIRE account ( both loans ), and despite two credit bureaus confirming the delinquency reporting was inaccurate, my credit reports still show delinquency marks ( XXXX days late ) on the second loan under this same account. 
The critical facts are : Nelnet 's CFPB response letter addressed account XXXX as a JOINT account covering both loans Their system failures prevented payment on BOTH loans, not just one I made ONE lump sum payment that cleared BOTH loans as paid in full Two credit bureaus have already confirmed the first loan 's delinquency was inaccurate The same circumstances apply to BOTH loans Since Nelnet acknowledged their system failures affected the entire account, admitted I tried to pay before the delinquency, and confirmed I paid in full once their system worked, BOTH loans under account XXXX deserve the same correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

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