vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
After checking my credit report I was notified of 10 accounts amounting to {$38000.00}. Im unaware of this debt. I am requesting to dispute & remove this debt. I did not sign for nor receive proper notification about this debt. If in fact you believe I applied for, agreed to, or that you provided me with proper notification of this debt. Please send me a certified receipt with my signature on it. If in fact you are unable to present the requested certified receipt with my signature. You must delete any and all false debt associated to me from all credit reporting agencies. This is illegal and a violation of my rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
I am refiling a complaint originally submitted on XXXX XXXX XXXX ( Case ID : XXXX ), which has not received a response. This complaint concerns the enforceability of my federal student loan agreement, which has been materially altered without my consent. My loans were originally issued and administered by the U.S. Department of Education, but have since been transferred under a new structure and administrative entity without my authorization.

I assert this constitutes a substantial and unilateral alteration of the agreed-upon terms of my original promissory note. Specifically, the Department of Educations consolidation and reassignment actions combined with changes in servicing and administrative authority materially modify both the servicing infrastructure and contractual protections in place when I signed the original agreement. I have attached full NSLDS data from the U.S. Department of Education showing my complete loan history ( including all consolidation activity and paid-in-full records ), along with supporting evidence from my XX/XX/year> CFPB submission. 

Formal dispute of my federal student loan obligation due to administrative transfer and structural alteration. Recent federal action has restructured the Department of Educations loan administration, materially changing my loans governing authority and the servicing relationship without renegotiation or consent. This violates the original contract terms, which stipulated that the Department of Education would act as both administrator and guarantor. I therefore dispute the continued enforceability of the obligation under the current structure. I request the complete discharge of these loans or formal legal revaluation due to the substantial administrative alteration of the governing entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im a victim of identity theft them please remove these items these credit cards was opened up fraudulently I have no knowledge of these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my deepest concerns regarding Zelles handling of disputes in light of the recent CFPB investigation, dispute using Zelle multiple times and reporting my issues to the relevant people, my financial institution and Zelle both failed to undergo investigation of my claims accordingly. I was informed that recovery of lost funding is impossible, and tracking these transactions will not be possible. The CFPBs discovery indicates Zelle has not only neglected to protect customers, and also has allow multiple offenders to exploit the system, resulting in the user being vulnerable to scams. The lack of accountability and transparency is unacceptable and raises seemingly serious concerns about user and privacy safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Dept. Of Ed/NelNet I didn't receive the original form of contract with the wet ink signature as requested. 
The 3 credit reporting agencies dropped Dept. Of Ed/NelNet accounts from my credit file XX/XX/year> and XX/XX/year> no original form of contract wasn't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Dispute & Demand for ACDV Disclosure Account Reference : XXXX Account Type : Collection To Whom It May Concern, This letter serves as my formal notice of dispute regarding the above-referenced account that Diversified Adjustment Service has reported to one or more consumer reporting agencies. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i and 1681s-2, as well as applicable provisions of the Uniform Commercial Code ( UCC ) governing the verification and validation of financial obligations.

I am disputing this account on the basis that the information being reported is inaccurate, unverifiable, and/or unauthorized. Pursuant to my rights under federal law, I hereby demand that Diversified Adjustment Service provide the following : A complete and legible copy of the Automated Consumer Dispute Verification ( ACDV ) form transmitted to any credit reporting agency in response to my dispute ; All documents, records, and contracts bearing my signature that substantiate your legal right to collect or report this account ; A copy of the original creditors itemized statement showing how the alleged balance was calculated ; Documentation establishing your chain of assignment or ownership of the alleged debt, as required to verify your right to collect or furnish data to credit reporting agencies.

Be advised that under FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), reporting unverifiable or inaccurate information after a formal dispute constitutes a violation of federal law. Should Diversified Adjustment Service fail to provide proper validation within the required timeframe, you must cease all collection activity and request the permanent deletion of this account from all consumer reporting agencies.

Please send your full verification and ACDV disclosure within 30 days from receipt of this notice. All future communication must be in writing and mailed to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
b'No se cual es la fecha exacta pero me sale en mi reporte crediticio'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX I.C. Systems Inc. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Subject : Dispute of Debt Request for Validation To Whom It May Concern, I am writing to formally dispute the validity of a debt referenced in your correspondence dated XX/XX/XXXX, with account/reference number XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the alleged debt. I do not acknowledge that I owe this debt, and I am requesting the following : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including a breakdown of any interest, fees, or other charges ; 3. A copy of any judgment ( if applicable ) ; 4. Documentation proving that I am legally obligated to pay this debt. 
Please note that during the process of debt validation, you are required to cease all collection activities, including reporting to credit bureaus. If you have already reported this information to any credit reporting agency, please inform them that the debt is currently in dispute. 
I am also requesting that all further communication be done in writing. Please do not contact me by phone. 
This letter is sent in good faith and is not a refusal to pay, but a request for validation pursuant to my rights under the FDCPA, 15 U.S.C. 1692g. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX 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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MITSUBISHI HC CAPITAL (U.S.A.) INC.
State: OH

Complaint narrative:
CFPB COMPLAINT FULL REPORT Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Email : XXXX | Phone : XXXX Subject : Improper Reporting of Commercial Loan on Personal Credit Report Dear Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) for inaccurately reporting a commercial business loan as a personal debt on my consumer credit file. 
The issue concerns XXXX contracts ( # XXXX and # XXXX ) associated with XXXX XXXX XXXX.. These contracts were strictly business obligations, as clearly stated in the loan documents ( solely for commercial and business purposes, not for personal, family or household use ). 
I left XXXX XXXX XXXX in 2023 and was officially removed from the Ohio XXXX of XXXX XXXX XXXX. I have had no ownership, role, or financial benefit from the company since that time. 
Despite this, XXXX XXXX XXXX reported these loans on my personal credit file as if they were consumer debts. I previously contacted the company and provided evidence, including XXXX of XXXX filings, but my request was denied without a reasonable investigation. Their email response stated that removal from the XXXX of XXXX XXXX had no bearing on my personal guaranty, which I believe reflects a failure to conduct a fair review. 
As a direct result of this inaccurate reporting, I was told by XXXX Mortgage that my mortgage application would not be approved while these items remain on my credit. My current XXXX XXXX is approximately XXXX, and this reporting has made it impossible for me to qualify for a loan. This has caused financial harm and emotional distress, and XXXX even push me toward bankruptcy, which I am desperately trying to avoid. 
Requested Action : I respectfully request that CFPB XXXX XXXX XXXX XXXX to remove or correct these entries, ensuring they are properly classified as commercial obligations and not reported as consumer debts. 
Additionally, I request that XXXX be required to conduct a reasonable investigation into this matter, as required under the FCRA. 
Supporting Evidence to Be Attached : - Secretary of State filings proving my removal from XXXX XXXX XXXX. 
- My credit report showing the disputed entries- and the contracts attachedment - Correspondence from XXXX denying my request. 
Thank you for your time and prompt attention to this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
US BANK Forclosed on my home/property knowing they never had an original loan for my property and when US Bank did a forclosure my money went back to XXXX XXXX XXXXXXXX a vendor, It was {$38000.00} at court i paid XXXX cashier check to pay the remaining balance. A loan which was supposed to have been {$40000.00} and hjch i paid and I received a Satisfaction of Judgment. Yet I still don't have my property because of wrong recording and fraud while other people are living free on my property, and using a fraud warrenty deed.

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 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX XXXX contacted by messenger that they interested to hire me for their assistance for their company and they provide all XXXX XXXX items needed to be able to do their office work and told me to go deposit {$3200.00} inorder to receive the office items and they shall reimburse me after office items was bought and I completely was able to be to be adjusted to the office for assignments later I found out this company was fraud i immediately called the security XXXX of Wells Fargo and explained this fraudulent transaction that i made deposit to a fraudulent account number the security offices XXXX XXXX never followed and I informed the Wells Fargo and they also was supposed to follow up so that can get my money back from this fraudulent account Wells Fargo never followed this complaint and i lost my due to carelessness of wells fargo bank

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 2025-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I received a text message from my sister about a debt that was sent to her with my information from MRS. Ive not been contacted by the company. It had my name account number, balance, and creditor information. A link was sent to her and she was able to log into the link.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX in synchrony Bank sent me to collections. I have been contacting them since XX/XX/XXXX of XXXX  XXXX XXXX synchrony. Either one can find any information that says I owe this bill but its still into the three credit bureaus. I keep disputing it and they will not take it off, even though I called synchrony and XXXX and they say they dont know why cause they can not find 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 non-monetary relief
Consumer complaint received 2025-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Under the FCRA To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit file regarding the account listed below.

Account Information : Creditor/Collector : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$6600.00} Status : Collection Account On Record Until : XX/XX/XXXX Reason for Dispute : Upon reviewing my credit report, I have identified inaccurate and potentially misleading information associated with this account. Specifically : Repeated and Prolonged Collection Reporting : The account has been reported as in collection continuously from XX/XX/XXXX through XX/XX/XXXX, spanning nearly 4 years, despite no new activity or payments during that time. This appears to be an unfair and misleading representation of the debt 's status. 
Data Inconsistencies : There are discrepancies between the visual calendar of payment history ( showing " ND '' for some months ) and the payment history guide, which reports collection activity for those same months.

Potential Re-aging of Debt : Reporting the account as a new collection every month without changes in balance or status could be interpreted as re-aging the account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) unless a new payment or agreement has been made which has not occurred. 
Requested Action : I respectfully request that you : Investigate this account with the data furnisher ( NCB Management Services ).

Remove or correct the inaccurate and repetitive collection reporting. 
Provide me with a written explanation of the outcome of your investigation, including any documentation used to verify the information. 
Under the FCRA, you are required to investigate and respond within 30 days of receiving this dispute. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CRME Financial Services , Inc is attempting to collect a debt that does not belong to me.

They are demanding I pay {$150.00} that I does not belong to me. This debt is a result of identity theft and It is not mine. CRME mailed out a demand letter on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
I pay my XXXX dues via the bill pay service that XXXX XXXX XXXX  has for me I had a transaction that was supposed to be paid on XXXX for the amount of {$390.00} to XXXX XXXX  XXXX that is my XXXX company that managers are property I got a letter from fiserv  on XX/XX/XXXX letting me know they are the service provider for XXXX XXXX XXXX  fiservi or fiserv they are the processor for XXXX XXXX they processed this transaction however they say they could not withdraw it money from my account because their second attempt to withdraw the funds was also on successful the money that fire sent to your pay payee or biller on your behalf was returned to XXXX unless you've made other payment arrangements your payment is still due so if I serve has my money they say if I have questions I can call them however the number they provide you can not get a human being on that phone no matter which option on that phone tree you select I understand that a payment processor does not want customers like me calling them however they have my money that the company that I pay my XXXX dues to does not have a terminal or does not have their program or software so they can cancel that transaction and return it so I literally have been my money has been absorbed into fiserv and I there's no chance of me getting that back from them the solution that they provide is that the person that's on the end of that processor right my XXXX company they can cancel that transaction or return it well they don't do that that's not how it works they actually print out a paper check and send it to my company there's no way to do anything with that. and I have no way to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Yesterday at XXXX I used my XXXX  debit card to withdrawal XXXX dollars and the system asked how I like my bills I said all XXXX it made the sound like the money was XXXX come out then said cant get cash right now call us XXXX then gave me a receipt with the same message on it, I reached out to my bank they said they cant dispute is right now because its still pending so I called chase bank and they customer service said they cant help me and to call my bank, I was trying to pay my rent thats why I took XXXX out but they just took my money and didnt deposit money.My name is XXXX XXXX phone number and email XXXX XXXX, I have receipts and would love to contact that atm owner directly to start investigation and get my funds back, please help me figure out what to do I needed those funds for my rent, is there a way I can file a lawsuit because this is theft from a federal bank Chase J.P. Morgan bank

Company response to consumer: Closed with explanation