vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In the years of XXXX I was a freshman at XXXXXXXX XXXX XXXX  My first semester at the University, I paid off by using my savings that I had. After my first semester, it was time to take out a student loan. I searched desperately but kept on getting denied, until XXXX day I searched XXXX XXXX student loans. My father and I literally got through with a loan on the telephone which hade me relieved at the time. If only I knew that this was just an opportunity for them to capitalize off of me at the age of XXXX. They gave me an XXXX variable interest rate on a loan for XXXX and XXXX years later I owe more than when I took out the loan initially. XXXX XXXX charged me incredibly high fees every month and my monthly payments only made my initial balance go up over time. XXXX XXXX then faced a huge lawsuit and sold my loan fi firstmark services and they kept the variable interest rate the same. It Has been years of oppression by these loan services and has made my life incredibly difficult. I need help finding a solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have reached out to all banks nothing has been done to resolve this identity theft issue

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 2025-07-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase offer for a XXXX purchase for XXXX XXXX cash back with a maximum of {$50.00} cashback that expired on XX/XX/year>. I made a purchase on XX/XX/year> for a total of {$590.00}. This would be within the time frame to be fully eligible for this offer. However, after pending on my account for a week, the transaction date was added to my balance as XX/XX/year> and the posted date was XX/XX/year>. 

I called Chase on XX/XX/XXXX at XXXX and they said that I did not have an offer for XXXX XXXX expired on XX/XX/XXXX. The employee said that they would contact XXXX to issue the reward. 

On XX/XX/XXXX, I received a letter saying that I did not meet the requirements for the Chase offer that expired on XX/XX/XXXX. This is extremely unfair as I have proof that my purchase was made within this time frame and XXXX falsely changed the transaction date to be a week later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: AR

Complaint narrative:
I applied for and was approved for Netspend 's Debit Account. The terms stated I would receive a {$200.00} bonus within 5 business days of receiving a direct deposit. This did not happen. I called on XX/XX/year> at XXXX XXXX  to inquire and spoke to XXXX, who was in talks with their supervisor XXXX during the call ( Reference Number given : XXXX ). Initially I was told no such offer existed and force to prove I had applied for said offer. I provided the documents requested via email while still on the phone and received written confirmation that the documents were received and validated. I also received verbal confirmation during this call that the documents were received, the offer was attached to my account, and the bonus would be paid within 24-48 hours. This did not occur. I called back and spoke to an employee who only provided me the identification number, XXXX, and was told that the bonus would be paid by XXXX XXXX  on XX/XX/year>. This also did not occur. I then attempted contact multiple times on XX/XX/year> and was repeatedly refused contact with a supervisor and instead the agents would place me on hold and after approx. 30 minutes on hold the call was transferred to a dead line- this happened 3 times. It's as if this is what their training tells them to do. I finally sent a secure message and indicated I would be filing a complaint if the bonus was not deposited, to which I received a response saying the issue had been escalated. Still no bonus.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/year>2025 got an alert my paycheck benefits were active ive called for months about getting my overdraft active again they constantly tell me i dont qualify even after ive sent proof in multiple times that i qualify for overdraft through my paycheck benefits they refuse to give me access to overdraft and and it states on there paycheck benefits that overdraft is included in paycheck benefits they constantly say i had an outstanding balance but they cant ever tell me how much it was after multiple times of asking how much it was last year i had overdraft payed off what was due they constantly tell me they dont have control over the overdraft system i called again yesterday about got told i didnt qualify for overdraft sent in screenshot evidence that i qualify and still get told i dont my paycheck benefits are curently active and still no access to my overdraft i qualify for i get no help from there support team i ask to speak to a supervisor about this issue constantly get told there is no manager or supervisor in the call center and that the supervisor will email me never does constantly get my first admendment right of freedom of speach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}

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 2025-07-26 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: CA

Complaint narrative:
I submitted a detailed factual dispute to Experian regarding a specific account that is inaccurately reported on my credit file. I included factual errors in my dispute such as incorrect balance amounts, misleading payment history, and wrong dates. Despite this, Experian has failed to take any corrective action. The disputed account remains on my report, and there is no indication that a proper reinvestigation was conducted as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I already submitted all required documents to Experian and also attached everything to my CFPB complaint. The accounts in question were deleted from my credit report, yet Experian is still contacting me asking for documents like I never submitted them. This makes no sense and shows that they are not properly tracking or reviewing the information theyve already received. I should not be asked for the same documents after the dispute has already been resolved and the items removed.

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 2025-07-26 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: KY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX Original creditor XXXX XXXX '' : '' XXXX, XXXX XXXX Balance {$720.00} XXXX  Original creditor XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$320.00}, XXXXXXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}.

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 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX received text message that said This is XXXX, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. 
XX/XX/XXXX Received a letter in the mail stating I owed {$14000.00} XX/XX/XXXX called XXXX to find out what the debt was they said it was a repossession of a car. I stated at that time this was fraud. The placed me on hold said they would get a manager. I never spoke with the manager and they said they would report it to the company. 
No follow up from XXXX on how they would handle this situation. 
XX/XX/XXXX I pulled my credit report which should the fraudulent account and two addresses connected to the account which is not my address. I immediately contacted ALLY Bank where the car was finance and reported the car loan fraudulent and the fraudulent addresses associated with the loan as well as provided them with my correct address and phone number. 
XXXX I filed a police report for identity theft in the city where the actual account was created and the address associated with the account in that city.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX 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 2025-07-26 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: AZ

Complaint narrative:
I have been trying to remedy fraudulent information on my credit report with no success. I have filed a identity, theft report and Im attaching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I have been trying to remedy fraudulent information on my credit report with no success. I have filed a identity, theft report and Im attaching 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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
From : XXXX Sent : XX/XX/year> at XXXX XXXX PST Subject : Cancellation of order I was recently made aware that XXXX XXXX XXXX filed for bankruptcy and is no longer in business. I placed an order for retainers on XX/XX/year>. I have not received the retainers and the dentist I was assigned to is no longer employed by your company. 
Because you are not able to fulfill your agreement for my treatment, I am cancelling my order and I am requesting a refund of my {$250.00} deposit from Healthcare Finance Direct. 
Yesterday I spoke to a representative of Healthcare Finance Direct in regards to this matter and requested that he note my account that I have not received the retainers. 
I also spoke to my bank and made them aware of this. I will not authorize any payments to Healthcare Finance Direct due to the breach of contract by XXXX XXXX XXXX. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint regarding XXXX failure to safeguard my personal and financial information, resulting in a data breach and unauthorized use of my student loan records a direct violation of the Family Educational Rights and Privacy Act ( FERPA ).

I submitted a formal dispute major credit reporting agencies ( Experian and XXXX  ), stating that my personal and financial data was compromised and that the records being reported are inaccurate and unauthorized due to the breach. 

I have requested that XXXX immediately cancel and discharge my student loan debt as a result of this breach, and that the credit bureaus delete the related reporting under the Fair Credit Reporting Act ( FCRA ) and FERPA protections. 

XXXX has failed to respond appropriately to the severity of this issue, and the continued reporting by Experian and XXXX is causing ongoing harm.

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 2025-07-26 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: NY

Complaint narrative:
I am filing this complaint regarding XXXX failure to safeguard my personal and financial information, resulting in a data breach and unauthorized use of my student loan records a direct violation of the Family Educational Rights and Privacy Act ( FERPA ). 

I submitted a formal dispute major credit reporting agencies ( XXXX  and Equifax ), stating that my personal and financial data was compromised and that the records being reported are inaccurate and unauthorized due to the breach. 

I have requested that XXXX immediately cancel and discharge my student loan debt as a result of this breach, and that the credit bureaus delete the related reporting under the Fair Credit Reporting Act ( FCRA ) and FERPA protections. 

XXXX has failed to respond appropriately to the severity of this issue, and the continued reporting by XXXX  and Equifax is causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
I am a victim of identity theft and fraudulent reporting by Experian

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a call from the Wells Fargo fraud department number ( XXXX ( XXXX ) XXXX ) directly after receiving a text message from them asking about a charge I didnt recognize. 
I answered the phone call and they began telling me that multiple other charges were coming in on my account. They said they were going to transfer money into my account and somehow they managed to transfer funds from my credit line into my checking account. Wells Fargo tells me that all transactions came from my phone but I DID not transfer funds from my credit line into my checking and Wells Fargo is saying they dont know how the scammers were able to transfer the funds. 
Wells Fargo is declining my claim and because of their inability to protect my credit line the scammers were able to transfer funds into my checking account and talk me through transferring those funds to XXXX XXXX. I originally had {$9.00} in my account that morning. Had the scammers NOT been able to access my credit line then no money would have been in my checking account for the scammers to steal in the first place.

Due to Wells Fargos inability to keep the scammers out of my credit line I am now out {$3000.00} on top of WF charging me nearly {$500.00} in cash advance fees even though I was not the individual who asked for those funds to be transferred.

Upon talking to Wells Fargo and getting the run around they continue to decline my claims and even told me that I benefitted from the cash advances The bank has no answer as to how my credit line was gotten into but have told me it is not their responsibility to find out how my account was hacked/how the scammers were able to request the transfers in the first place. 
I want Wells Fargo to hold themselves accountable for allowing the scammers to have access to request the transfers in the first place because had that no been possible I wouldnt be out $ 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