vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
CFPB Complaint Letter Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Servicer : Nelnet Account Number : XXXX Complaint Nelnet Autopay Failure and Inaccurate Credit Reporting Dear CFPB, I am filing this complaint against Nelnet, my federal student loan servicer, for failure to properly draft automatic payments and reporting inaccurate delinquency to the credit bureaus.

Summary of Events : 1. I was enrolled in automatic payments ( autopay ) prior to the federal student loan payment restart.

2. Autopay was supposed to resume after the federal student loan payment restart, but Nelnet failed to draft my payments, even though my account had sufficient funds.

3. I addressed with Nelnet via telephone on XX/XX/year>. Auto-draft was to resume. It did not. 
4. I discovered the error on XX/XX/year>, immediately made the required payment, and contacted Nelnet to correct the issue. My most recent Nelnet statement shows autopay active, but no payment schedule is displayed, confirming this is a servicing system error.

5. This failure resulted in an inaccurate late payment being reported to the credit bureaus, which severely lowered my credit score. I am in the process of buying a home and can not move forward until this is resolved.

6. I have never previously been late on this account. 

I have since formally disputed the inaccurate late payment with all three credit bureaus ( XXXX XXXX XXXX XXXX ) and filed a written dispute directly with Nelnet, requesting immediate removal of the false late mark. 

Requested Resolution : I am requesting that the CFPB : 1. Investigate Nelnets failure to process autopay as agreed.

2. Ensure immediate removal of the late payment from all three credit bureaus.

3. Require Nelnet to correct my account to reflect its true, on-time status.

4. Document this systemic autopay failure, as I have learned many other borrowers have experienced the same issue. 

Supporting Documentation Attached : - Nelnet statement showing autopay active but no payment schedule - Proof of timely available funds and payment made - Copies of dispute letters to Nelnet and the credit bureaus Thank you for your prompt attention. I look forward to the CFPBs assistance in ensuring this inaccurate late mark is corrected immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters is reporting a collection account that is inaccurate and unverified. I submitted disputes to the credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), but this company failed to produce proof of the debt or any valid verification.

Violations : 1681e ( b ) : Failure to report accurate information.

1681s-2 ( b ) : Failure to reasonably investigate upon dispute.

1681i ( a ) ( 5 ) ( B ) : Unverified accounts must be deleted.

UCC 3-501 & 3-505 : No original contract, agreement, or assignment of debt was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing this complaint against Radius Global Solutions LLC regarding a disputed debt allegedly related to a XXXX XXXX business credit card. Radius has failed to provide proper validation of the debt as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Despite my formal written request, they have not produced any original contract bearing my signature, no chain of title, and no accounting records proving legal ownership or standing. Furthermore, the debt is inaccurately reported by XXXX XXXX to XXXX and XXXX as still active, without being marked as charged-off or transferred, in direct violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. These inaccuracies are materially misleading and harmful.

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 2025-08-01 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: IL

Complaint narrative:
I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have a vital role and have a responsibility to report consumer information to the best of their ability with complete and maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand this payment be updated to paid as agreed as it should have never been reflected as late.

Please see screenshot attached. Thank you.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am filing this complaint because Comenity Bank / Lane Bryant charged off my credit card account ( opened XX/XX/XXXX ) with a {$850.00} credit limit, and as of my XX/XX/XXXX XXXX  credit report, it is reported as Charged Off Transferred or Sold with a {$0.00} balance. However, I was never issued a required IRS Form 1099-C, and no tax cancellation notice was sent to me, even though the charge-off amount was over {$600.00} and qualifies for mandatory IRS reporting under 26 U.S. Code 6050P. This raises serious concerns of potential tax fraud, especially if the bank received a tax deduction for canceling the debt but never disclosed that to me. Additionally, it is being reported inaccurately or deceptively on my credit report as if the debt still exists or is collectible, which violates the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), and the Truth in Lending Act ( 15 U.S. Code 1601 ). I believe Comenity Bank either failed to report the cancellation to the IRS or improperly transferred the debt without proper documentation, validation, or disclosure. This has caused financial harm and confusion, and I am requesting a full investigation, removal of the account from my credit report, and confirmation that no 1099-C was improperly filed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am submitting this complaint because multiple inaccuracies have been reported on my credit file with Equifax, and despite previous attempts to have them corrected, these items remain unresolved. 

First, I have noticed an incorrect address listed on my credit file XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never lived at this location, and I have already provided the necessary documentation to verify my actual address history. It is extremely concerning that outdated or inaccurate address information continues to be reported. 

Additionally, several accounts are showing late payments that are either inaccurate or unsubstantiated. These include : XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ), which is reporting late payments despite my consistent payment record. 

XXXX XXXX XXXX ( Account # XXXX ), showing a late payment, though I had made an arrangement with them during a financial hardship. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) is also reporting a delinquency, which I have disputed due to inconsistent billing practices on their end. 

XXXX ( Account # XXXX ), Armed Forces Bank ( Account XXXX XXXX ), XXXX  ( Account # XXXX ) XXXX and XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show late payments or derogatory marks that are either inaccurate or were caused by errors in billing cycles or unexpected auto-debit issues. 

One of the most troubling entries is the XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported as a collection with a balance of {$4200.00}. I was never informed of this going into collections, and I believe this is a serious reporting error. 

Lastly, there are multiple unauthorized hard inquiries on my credit report, including those from XXXX ( XX/XX/year> and XX/XX/year> ), XXXX ( XX/XX/year> ), and XXXX XXXX XXXX ( XX/XX/year> ). I did not apply for credit with these institutions, nor did I authorize them to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611, I have the right to a credit report that is fair, accurate, and substantiated. Equifax has failed to ensure the maximum possible accuracy of the data they are reporting. These errors are harming my credit score, causing me financial stress, and impeding my ability to secure fair financing and housing. 

I am requesting the CFPB to investigate this matter thoroughly. I would like these incorrect addresses, erroneous late payments, unauthorized inquiries, and false collection account to be deleted from my credit report. Additionally, I would appreciate a written confirmation once the inaccuracies have been resolved. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have XXXX accounts with NewRez, the first mortgage account is and has been paid the same way for years, I had issues with insurance payments and escrow accounts and started complaining because the help was limited and sarcastic during this time someone at NewRez took it upon themselves to take a mortgage payment out of an account that has never been used to pay a mortgage at NewRez and it cause a ripple effect in that account. There customer service reps and so called " team leads '' were no help at all. We were told that there was no way to look at who authorized the payments and said they would fix it, we waited and they did nothing, we deleted our on accounts of there website thanks to XXXX. 

2. The second account I was charged {$100.00} per month for one month because the insurance department said that I did not have Insurance even though they had my updated insurance paperwork. What they wanted was proof of exterior condo insurance that I had no access to nor per my condo rider or mortgage had a responsibility to provide. I've screamed to the top of my lungs for the manager of the ins dept to read the mortgage and show me where it states its mine and mine alone to provide proof of insurance for another entity in this case a HOA. They did refund monies owed but continue to keep the HOA policy on my account and I was informed today that its my responsibility to inform them that the HOA is current on their Insurance. Hopefully NewRez has to respond to both complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a payment of {$350.00} to XXXX XXXX  XXXX XXXX, XXXX, but Bank of America deducted the amount twice, charging a total of {$700.00} from my account. 

I contacted the company, and they confirmed that they did not receive either payment. 

I immediately filed a dispute with Bank of America, submitting clear evidence of the duplicate charges. However, the bank informed me that I must wait up to 90 days for a resolution and that I do not qualify for a provisional credit, despite having proof of the duplicate transaction and the merchant confirming non-receipt. 

Under Regulation E, the bank is required to provide provisional credit within 10 business days and resolve disputes within 45 calendar days ( or up to 90 days in limited circumstances ). 

To date, I have not received any provisional credit or a clear resolution, and my funds remain unjustly withheld.

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 monetary relief
Consumer complaint received 2025-08-01 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:
I am filing a formal complaint regarding the XXXXXXXX XXXX XXXX Despite my prior dispute, the account continues to be reported with conflicting and unverifiable information : TransUnion lists the account as Paid with a {$0.00} balance and a last payment date of XX/XX/XXXX, yet still classifies it as a charge-off without substantiating delinquency. 
XXXX  reports a last payment date of XX/XX/XXXX, but shows OK payment history from XX/XX/XXXX through XX/XX/XXXX, contradicting its own derogatory status and including a future reporting date of XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 611, which requires that information be accurate and verifiable. The reinvestigation failed to reconcile these inconsistencies, and the continued derogatory classification is misleading and unjustified. 
The reinvestigation failed to reconcile these inconsistencies, I am formally requesting the immediate removal of this account from my credit report. Please provide written confirmation of this action.

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 2025-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the XXXX XXXX XXXX  Despite my prior dispute, the account continues to be reported with conflicting and unverifiable information XXXX XXXX lists the account as Paid with a {$0.00} balance and a last payment date of XX/XX/XXXX, yet still classifies it as a charge-off without substantiating delinquency. 
Equifax reports a last payment date of XX/XX/XXXX, but shows OK payment history from XX/XX/XXXX through XX/XX/XXXX, contradicting its own derogatory status and including a future reporting date of XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 611, which requires that information be accurate and verifiable. The reinvestigation failed to reconcile these inconsistencies, and the continued derogatory classification is misleading and unjustified. 
The reinvestigation failed to reconcile these inconsistencies, I am formally requesting the immediate removal of this account from my credit report. Please provide written confirmation of this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Total visa keeps calling every day and leaving voicemails and sending email communications and text messages! I know there is a 7-7 where they can only send any type of communication 7 times in 7 days and they do double that! Ive got saved calls, VM and some text

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AL

Complaint narrative:
I don't feel like scrolling through and finding it all because quite frankly it puts me in an emotional state to even think about it. However I accidentally left my card sitting on top of a gas pump and XXXX shows some XXXX  kid on a bike taking it and then XXXX shows many different XXXX people going into gas stations in the projects and racking up {$300.00} of charges. I called support in shock because this literally left me completely penniless. They said they could get the replacement card out right away. I said " but wait the account is FDIC insured, I filed a police report, I have pictures of the thief and various thieving accomplices, you have everything you need for the insurance claim, refund my money! '' They refunded my money AND SEEMINGLY SHADOWBANNED ME FROM ORDERING A CARD IN RETALIATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I am filing this complaint because Rubin & Rothman , LLC filed a lawsuit against me regarding a debt originally from XXXX XXXX However, I have been actively making payments toward this debt, even while facing significant financial hardship due to ongoing health issues. 
Despite doing my best to stay on track, I was never informed that legal action would still be taken against me while I was making regular payments. I spoke to a representative of rubin and rothman beginining of XXXX to have my payments reduced and verbally agreed to the payment arrangement on a recorded line. I was told a contract would be sent to me which i never received, i continued to make payments as arranged, I have made every effort to stay in communication and fulfill my obligations to the best of my ability, and I feel blindsided and mistreated by the decision to file a lawsuit against me during this time. 
I was not given a clear explanation of why this lawsuit was filed, and I have not received proper documentation or validation of the debt from Rubin & Rothman. I also dont understand whether they own the debt or are collecting on behalf of someone else.

I believe this action is unfair and may violate the Fair Debt Collection Practices Act ( FDCPA ), particularly considering my willingness to work with them and my demonstrated effort to pay.

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