vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo charged my small business checking account over {$1300.00} in overdraft fees. I requested a full review of all overdraft fees for the year. Wells Fargo instead reviewed only nine recent fees and refunded two, then closed my case, stating they could not refund more due to internal policy. 

Wells Fargo did not review whether the overdraft fees were caused by deposit timing, transaction posting order, or available balance calculations, which are common causes of improper overdraft charges. 

As a XXXX customer, I was denied a full review and told no one has authority to override the policy, even though the fees created a cycle that prevented me from bringing my account positive. 

I am requesting that Wells Fargo be required to fully review all overdraft fees assessed on my account and refund any fees that were assessed improperly or unfairly, not just apply a courtesy limit.

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 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: MA

Complaint narrative:
I dispute Second Alliances authority to collect and report this account, which arises from institutional tuition charges associated with XXXXXXXX XXXX XXXX XXXX. I have previously requested verification of the debt, clarification of Second Alliances collection and reporting authority, and correction of inaccurate credit reporting. 

Despite these unresolved disputes and while a small-claims case regarding this matter is pending, Second Alliance added a new collection tradeline to my credit report between XX/XX/XXXX and XX/XX/year>. This tradeline had not previously been reported and resulted in a new derogatory mark and a measurable credit score decrease. 

Instead of substantiating the debt or resolving the dispute, Second Alliance escalated adverse credit reporting during active litigation. Furnishing a new collection account under these circumstances is misleading and harmful and undermines the integrity of consumer credit reporting. 

I am requesting removal of the collection tradeline and confirmation that Second Alliance will cease adverse credit reporting while the dispute and litigation remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, Heritage XXXX repossessed my vehicle. Following the companys instructions for reinstatement, I remitted a total payment of {$990.00} on XX/XX/year>. This payment successfully covered the full {$740.00} reinstatement quote plus an additional monthly installment to ensure the account remained in good standing. 

Despite my full financial compliance, Heritage XXXX has failed to return my property. When I inquired on XX/XX/year>, I was informed that the release was pending due to " GPS installation '' and " key cutting. '' As of XX/XX/year>, I have still not received a retrieval date or location. 

The continued withholding of my vehicle has resulted in significant " Loss of Use '' and personal hardship, including : Employment Impact : I have missed multiple days of work due to the lack of reliable transportation. 

Essential Needs : I am currently unable to perform basic household necessities, such as grocery shopping or visiting a laundromat. 

Financial Strain : I am incurring costs for alternative transportation while simultaneously paying for a vehicle and insurance that I can not access. 

I am seeking the immediate release of my vehicle and a specific date for pickup. Furthermore, I request a credit to my account for the days of use lost due to these administrative delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I am filing this complaint regarding a hard inquiry appearing on my consumer credit report that is inaccurate and lacks a permissible purpose under the Fair Credit Reporting Act. 

The inquiry listed as [ XXXX XXXX BANK ] on or about [ XX/XX/year> ] appears on my credit report, however I did not authorize, apply for, or initiate any credit transaction with this company. 

Under 15 U.S.C. 1681b, a consumer reporting agency XXXX only report a credit inquiry if there is a valid permissible purpose. No such purpose exists in this instance. 

I disputed this inquiry directly with the XXXX XXXX agency. Under 15 U.S.C. 1681i ( a ) ( 1 ), the bureau is required to conduct a reasonable investigation and verify the accuracy of the information. The inquiry remains on my report, despite no evidence of authorization being provided. Additionally, the continued reporting of this inquiry violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I discovered fraudulent 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 non-monetary relief
Consumer complaint received 2025-12-24 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 writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a student loan account serviced by Nelnet that is reporting inaccurate balances and erroneous payment history on my credit report. I was never late on these loans, yet Nelnet is furnishing a XXXX late mark in XX/XX/XXXX with no prior late payments which is false and damaging. Despite multiple disputes, Nelnet has failed to provide the original promissory note or a lawful chain of custody for any of the alleged accounts. Without proof of lawful ownership or authority to service or enforce these loans, Nelnet can not legally report or maintain them on my credit file. Nelnet has previously been sued for misapplying borrower payments, which raises serious concerns about the accuracy of the balances and payment history being reported on my accounts. In addition, Nelnet failed to properly communicate with me regarding Income Driven Repayment renewal requirements, an issue for which the company was also sued in XXXX. This failure directly contributed to reporting errors and should not be held against me. The fact that these loans are serviced by a private company or held or managed by a government entity does not exempt Nelnet from compliance with contract law, the Fair Credit Reporting Act, or consumer protection statutes. A party seeking to enforce or report a contract must be able to produce the original instrument or demonstrate lawful possession of it, as recognized under XXXX XXXX XXXX XXXX. Nelnet has failed to meet these legal requirements while continuing to report inaccurate and duplicative information. This constitutes a violation of the FCRAs accuracy and verification standards. I am requesting CFPB intervention and demanding the immediate removal of this student loan account from my credit report due to inaccurate reporting, lack of proper documentation, and ongoing consumer law violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
This letter serves as formal notice that your agency has failed to conduct a lawful reinvestigation of inaccurate information on my consumer report, as required by the Fair Credit Reporting Act ( FCRA ). XXXX account # XXXX Pursuant to 15 U.S.C. 611 ( a ) ( 1 ), you were required to conduct a reasonable reinvestigation within 30 days and either verify, correct, or delete the disputed information. You failed to meet this statutory obligation in one or more of the following ways : You failed to provide competent verification of the disputed information ; and/or You continued reporting the account without correcting the inaccuracies identified in my dispute. Further, under 15 U.S.C. 611 ( a ) ( 5 ), any information that can not be verified must be deleted. Your continued reporting of this account after failing to reinvestigate constitutes negligent and/or willful noncompliance with federal law. Additionally, your actions violate 15 U.S.C. 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Because you failed to conduct a lawful reinvestigation, I am not requesting another investigation. I am demanding the immediate deletion of this account from my credit file. You are hereby given XXXX days from receipt of this letter to : XXXX. Delete the account in its entirety, and XXXX. Provide written confirmation of deletion.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
First, you MORONS running the CPFB are FORCING ME TO CHANGE MY PASSWORD!!!!!!!! WHY???? THERE IS ABSOLUTELY XXXX REASON FOR A PASSWORD CHANGE!!!! I WILL ABSOLUTELY " NOT '' REMEMBER MY NEW PASSWORD!!!! THANK YOU FOR BEING " STUPID '' AND FOR MAKING THIS PROCESS UNNCESSARILY DIFFICULT! 

I just joined XXXX XXXX but decided almost instantly that I did not want to pay the XXXX XXXX monthly subscription fee, so I attempted to cancel under the setting in my XXXX but there is NO WAY for me to cancel the subscription. I DO NOT WANT TO BE CHARGED FOR XXXX XXXXXXXX. PLEASE CANCEL THIS SUBSCRIPTION IMMEDIATELY!

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 2025-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one was open and closed and paid in a settlement in XXXX. I disputed the matter with XXXX several times and they refuse to remove it, the statute of limitations is after XXXX years it needs to come off my credit. I have disputed several times and they will not remove it. Please try and get this removed from my credit. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB Complaint Narrative Credit Bureau Non-Compliance I am submitting this complaint because the credit reporting agency failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) after I disputed inaccurate and unverifiable information on my credit report. 
On XX/XX/year>, I submitted a written dispute and request for reinvestigation pursuant to 15 U.S.C. 1681i regarding the continued reporting of inaccurate and unverifiable accounts, including XXXX XXXX XXXX ( XXXX ), XXXX. and XXXX XXXX XXXX XXXX XXXX. My dispute was sent in writing and supported by documentation. 
More than thirty ( 30 ) days have elapsed since my dispute was submitted. The credit reporting agency failed to conduct a reasonable reinvestigation within the time required by law and failed to provide written notice of the results of any reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

In addition, I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, address, and telephone number of the entity that verified the disputed information, whether verification was automated or manual, and the source relied upon. The credit reporting agency did not provide this information. 
Despite having actual notice of the dispute and being afforded the statutory time to respond, the credit reporting agency continues to report the disputed information without lawful verification. This constitutes violations of 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ), and 1681e ( b ).

I subsequently issued a Final Notice of Non-Compliance to the credit reporting agency. To date, no lawful response or correction has been made. Continued reporting without compliance demonstrates willful noncompliance with the FCRA. 
I am requesting CFPB assistance to require the credit reporting agency to either delete the inaccurate and unverifiable accounts or provide full, specific, and lawful verification in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-12-24 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: NY

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. 
I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. 
Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges.

2. Documents showing where this obligation originated and how your company obtained it.

3. Any agreement, application, signature, contract, or document that links me to the account.

4. Proof your company is authorized and licensed to collect in my state, including registration details.

5. Any notices or communications you claim you sent before reporting the account to the credit bureaus.

6. The identity and address of the original creditor, along with the original account details.

7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. 

I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. 
Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. 
If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. 
Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. 
Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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