vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by XXXX  XXXX XXXX, XXXX, in violation of the XXXX and intent of the Fair Credit Reporting Act ( FCRA ). 

I was a long-time XXXX  XXXX XXXX XXXX for many years and maintained this account in good standing. The account was paid in full in XX/XX/year> and reflected a {$0.00} balance at that time. I had no knowledge of any remaining balance or subsequent charge until my credit score unexpectedly dropped by nearly XXXX points, from Excellent too Good. 

Upon investigation, I learned that XXXX  XXXX XXXX sent electronic notifications that were diverted to my spam folder. Despite my lengthy customer relationship and prior good standing, XXXX  XXXX XXXX made no attempt to contact me by phone or XXXX mail regarding the alleged past-due balance of {$260.00}. 

The moment I became aware of the issue, on XX/XX/year>, I immediately contacted XXXX  XXXX XXXX and paid the balance in full. I spoke with XXXX separate specialists and explained the situation as it was an isolated and unintentional oversight, not a pattern of delinquency or refusal to pay. As I indicated my credit was at the Excellent level. 

Nevertheless, XXXX  XXXX XXXX has refused to remove the derogatory mark on my credit. I was so upset with the situation that I closed my account with them and will never again be affiliated with XXXX  XXXX XXXX. 

The negative reporting does not accurately reflect my creditworthiness, intent, or payment behavior, and the harm caused is grossly disproportionate to the circumstances. I believe XXXX  XXXX XXXX failed to exercise reasonable care in both its notification practices and its credit reporting. 

I respectfully request that the CFPB requires XXXX  XXXX XXXX to remove the derogatory credit reporting associated with my account as inaccurate and unfair under the circumstances. 

Should you require additional information please contact me. 

Thank you for your much needed assistance with 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 2025-12-18 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: IL

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXXXXXX XXXX  Date Opened XX/XX/year> These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C. S 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C.

1681n and 16810, subjecting your agency to civil liability.

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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
CFPB Complaint Student Loan Credit Reporting ( Nelnet ) Name : XXXX XXXX Product : Student Loan Company : Nelnet Issue : Incorrect information on credit report State : Florida I am submitting this complaint regarding the continued negative credit reporting of my student loan accounts serviced by Nelnet. 
Nelnet is currently reporting late payments and delinquency on multiple student loan accounts associated with my name. I am requesting assistance to have these accounts brought current and to stop the ongoing negative credit reporting that is adversely affecting my credit profile. 
I am acting in good faith to resolve my student loan obligations. However, the current reporting does not fairly reflect my intent to repay or my efforts to bring the accounts into good standing. Prior to the negative reporting, I was not clearly or timely informed of all available options that could have prevented delinquency, such as repayment plan adjustments, administrative forbearance, or other relief options. 
My request is not to avoid repayment, but to have my accounts placed into an appropriate current status so that negative reporting ceases. The continued reporting of late payments is causing ongoing harm despite my willingness to resolve the accounts. 
I respectfully request the following resolution : That Nelnet reviews all of my student loan accounts and brings them current where eligible. 
The negative credit reporting related to these accounts can be corrected or removed with XXXX XXXX XXXX XXXX once the accounts are current. 
That my loans be placed into an appropriate repayment, deferment, or forbearance status to prevent further negative reporting. 
Written confirmation detailing the investigation and any corrections made to my credit reports. 
I am requesting fair and accurate credit reporting in compliance with the Fair Credit Reporting Act ( FCRA ) and applicable federal student loan servicing requirements. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights under 15 U.S.C. Sec 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TomoCredit Inc.
State: MI

Complaint narrative:
I've asked this company who i have no relationship with to stop sending me spam texts. I filed a XXXX complaint, XXXX responded with a vague answer claiming that he already responded. I never seen a response hence why, still after filing a complaint i was sent another scam text about credit. His response is : Dear there, Thank you for reaching out and sharing your concerns. We take these matters very seriously and appreciate the opportunity to address them. Upon reviewing your account, we can confirm that your request has been processed. We apologize for any distress our communications may have caused. We value your feedback and are committed to ensuring a satisfactory resolution. If there are any outstanding issues or further assistance we can provide, please do not hesitate to contact us directly. 
Sincerely, XXXX It's odd that he says they responded but there was no response to my intial complaint. I have screenshots shots the numerous spam texts sent to me by them. If there's an account in my name then this is something i need to know being that i myself have never engaged with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraud loss that occurred through Cash App due to a criminal government-impersonation bond scam, and Cash Apps handling of my dispute. 

My former partner was legitimately taken into custody and booked into the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX While she was XXXX I received multiple legitimate phone calls from : My former partner The XXXX XXXX Sheriffs Department Her court-appointed attorney During this time, I was contacted by an individual who claimed to be calling from XXXX XXXX and who stated that a {$750.00} bond payment was required for her release. The caller offered to take payment over the phone and represented themselves as acting on behalf of the XXXX 

The caller had accurate, real-time knowledge of the arrest, the XXXX location, and the situation, which made the impersonation highly convincing. I was over XXXX hours away and was under time pressure and emotional distress due to the XXXX XXXX XXXX  condition. 

I was induced to send {$750.00} via Cash App as instructed. Shortly after sending the payment, I discovered this was not a legitimate bond request, and that I had been the victim of a law-enforcement impersonation scam. 

I immediately contacted Cash App and reported the transaction as fraud using the in-app reporting tools, clearly identifying it as a government impersonation scam. I also contacted the XXXX XXXX XXXX XXXX, which has confirmed awareness of the scam and issued a case number. 

Despite promptly reporting the fraud, Cash App has not provided reimbursement or adequate resolution. 

Cash App failed to provide adequate consumer protection against a known and well-documented impersonation scam, and failed to appropriately remediate a fraud loss that resulted from criminal deception rather than consumer error. 

This transaction was fraudulently induced, not a voluntary or mistaken payment. I did not authorize payment to a scammer ; I was deceived by a criminal impersonating law enforcement during an active XXXX  event. 

Peer-to-peer payment platforms are increasingly used in impersonation scams, and consumers rely on these platforms to have reasonable safeguards and responsive fraud resolution procedures. Cash Apps refusal or delay in addressing this loss shifts the burden of criminal activity entirely onto the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I received a box of XXXX  cable equipment addressed to me, although I did not order it. I have never had any interaction with XXXX. I already had existing service from another provider. 

I called to inquire why they sent me the equipment, and I was told that they couldn't find an account associated with my information ( name, address, and phone number ). They recommended that I return the equipment to a XXXX store. I was annoyed that they had essentially mailed me an errand, and didn't return the equipment to the store. 

Several months later, I saw that I had an account in collections on my credit report. After investigating, I found that the debt collection agency was operating on behalf of XXXX XXXX, presumably for the unwanted cable equipment they mailed to me. 

Recently, I chatted with a XXXX representative, who said that they would escalate the issue, but since it had already gone to collections, there was nothing that they could do about the impact to my credit report. 

I am upset about this situation and this potentially scummy practice. I do not want others to experience the same difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have a XXXX XXXX and somebody stole my identity and I keep telling synchrony bank that I never opened up a XXXX credit card with them and they continue to violate my XXXX XXXX rights and continue to tell me its me and ruined my credit my credit has been frozen for a very long time. They were negligent and opening up an account and should not opened up an account when somebodys credit is frozen when my credit is frozen this is their fault. I have reported this several times I have a XXXX they do not care and say that it is valid and send me a bunch of nonsense that is not proof of the account number and they messed up on the address even told them that that the scamer committed identity it messed up on my address. Im currently having an issue with XXXX  XXXX harassing me to saying that I have a card with them opened up a card. When my credit is frozen so that its not possible so their system malfunctioned end up open up a card in my name when it should have rejected it as my credit is frozen. I am this close to filing a lawsuit with both of these companies. And their third parties they hired as collection agencies XXXX collection agency one of the credit agencies did the right thing and took off the XXXX  XXXX and the other one hasnt they keep docking my credit please help Im reporting them

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Chimes improper denial of an unauthorized debit card transaction and failure to comply with the Electronic Fund Transfer Act ( Regulation E ). 

My wallet and Chime debit card were stolen near XXXX  XXXX in XXXX, Florida. After the theft, an unauthorized XXXX transaction for {$210.00} was made using my card. I did not authorize, participate in, or benefit from this transaction. 

I promptly reported the unauthorized charge to Chime and later filed a police report documenting the theft and fraudulent use of my debit card. Despite submitting the police report as supporting evidence, Chime denied my dispute. 

I also formally requested copies of the documentation used to deny my claim, as permitted under Regulation E. Chime sent an email stating that the documents were attached ; however, no documents were actually provided. As of today, Chime has still not produced the evidence relied upon in its investigation or explained how the denial complies with Regulation E requirements for a reasonable, good-faith investigation.

Chime has instead provided generic responses and redirected me to customer service, without addressing the documented theft, the police report, or the missing investigation documents. 

I am requesting that Chime be required to : Conduct a Regulation Ecompliant reinvestigation Review all evidence, including my police report Provide copies of all documents and data relied upon to deny my claim Correct the improper denial and refund the unauthorized transaction This complaint is submitted due to Chimes continued failure to resolve the issue and comply with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: MI

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 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 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
Extra interest fees were charged to my account and they gave me a credit for over limit less than XXXX and issued another over limit credit 2 weeks after the other one was reimbursed. 

Please note too many interest charges for items being charged. I want the last over limit reimbursement immediately and they were reluctant to reimburse. See print screen of transactions over limit is higher than charges on my card. More payments and overbearing interest charges and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a collection notice from Credit Control , LLC regarding an alleged debt purportedly owed to XXXX XXXX XXXX XXXX 

I timely disputed the alleged debt in writing and demanded validation pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681.

Credit Control , LLC failed to provide the original signed contract, complete payment history, chain of title, or proof of legal standing. 

Despite this failure, Credit Control , LLC continues collection efforts and/or credit reporting, constituting unlawful collection activity, false representation of the legal status of the debt, and failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

Additionally, Credit Control , LLC failed to disclose whether the debt was charged off, cancelled, insured, securitized, or subject to IRS Form 1099-C , creating a material accounting and reporting contradiction. 

Continued reporting and collection without validation is inaccurate, deceptive, and unlawful.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Complaint Letter for Funds Recovery Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email XXXX XXXX cc : Capital One Bank Subject : Fraudulent Transactions and Request for Funds Recovery I am writing to formally report a case of online transaction fraud involving my business dealings with XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and an account purportedly held at Capital One Bank , Lagal Entity Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am the XXXX representative for XXXX XXXX XXXX XXXX and have had a business relationship with them for over 10 years. 
We recently

made two payments of {$6000.00} each, totaling {$12000.00}, to a Capital One Bank account that we later discovered was fraudulent. Details of the Fraud : The perpetrator cloned official emails and impersonated XXXX, leading us to believe that we were making payments to an alternate account for equipment purchases. 
The bank details provided were as follows : Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Action Requested : I kindly request your assistance in recovering the funds that were transferred to the fraudulent account. I have attached the relevant documentation, including email correspondence and payment receipts, for your review. Please let me know how to proceed with this matter, as it is of utmost importance to my business. I appreciate your prompt attention to this issue.Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX, Principal Pearl Armour Consulting Attachments : Email correspondence with XXXX Payment receipts Any other relevant documents

Company response to consumer: Closed with explanation