vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America not only lied about my case but they have supplied information hoping that theres not other information to be had so in case it happened. I went ahead and left all this till the end. 

What Bank of America doesnt want to address is that they made an error in closing that claim. They accidentally climbed in with another claim and closed everything out when they reopened. The claims it was because of their air and because they took so long their representative on the phone actually admit that they took longer than they should have in the original assessment which they do admit how long they took in the first Explanation that they give so theyve admitted that they went past their own terms of service already and their response to this complaint their answer to that is that I complained about it too far out, which is incorrect. It was not complained about too far out their representative. Encouraged me to turn it into a fraud claim which I did. They again, violated their own terms of service and took too long to investigate it. Their representative is the one that uncovered. The fact of Bank of America had made an error and went ahead and closed the claim and they shouldnt have so when they reopened it Bank of America is claiming that I reopened it when in fact, all I did was call and complain about how bad of a job they were doing. The information they have sent me is redacted and missing information. Theyre missing pages that they didnt include so that they didnt look bad. They think this is good enough, but unfortunately, the information that I do have and the paperwork that I do have will be enough to go ahead and win this in court I wouldve been searching out as many people as I can about through a similar situation, which Bank of America has violated their own written terms of service that they provide to people when there is going to be a dispute Bank of America is only upset right now because theyve had a whistle blown. As for dates and times? They have them all. There are notice right now do not delete any evidence whatsoever and will be receiving certified notification as much, and I will be filing a course so that they can preserve the evidence. Theyve already decided to remove things from the paperwork that they sent to me. They also refused to allow me online access to get into my own banking information because they dont want me to uncover other things that are in there including the letters they will not let me in. They will not let me log on or anything like that its completely borrowed me from their website of logging in. They refused to answer their phone and refuse to answer anything in regards to this.

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 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: LPI, INC.
State: PA

Complaint narrative:
I financed a XXXX XXXX XXXXXXXX tanning bed through XXXX XXXX XXXX. The merchandise delivered by the seller ( XXXX  ) was defective and unusable from the moment it arrived. 

Immediately after delivery, I contacted the seller and manufacturer multiple times by email and phone. I received no response and no effort to repair, replace, or resolve the defective merchandise. 

Because the seller refused to respond, I submitted a written dispute to XXXX XXXX under the FTC XXXX XXXX, which is printed directly in my signed Retail Installment Contract. The contract states that ANY HOLDER of the consumer credit contract is subject to all claims and defenses that the debtor could assert against the seller. 

Despite this, XXXX XXXX responded in writing stating that the FTC XXXX XXXX does not permit a consumer to assert claims or defenses directly against the finance company or withhold payment. This statement is false, misleading, and contradictory to the mandatory language included in the contract and required under federal law. 

XXXX XXXX is misrepresenting my rights under the FTC XXXX XXXX and is refusing to acknowledge that the account is subject to a legitimate dispute regarding defective merchandise. They also stated they will continue reporting the account without reflecting the dispute, which would be inaccurate. 

I am currently making payments on a product that arrived defective, can not be used, and has not been supported by the seller or manufacturer. XXXX XXXX continues to insist I must pay in full regardless of the unresolved dispute and in contradiction to the XXXX XXXX. 

This appears to be : A misrepresentation of federal consumer protection law A refusal to properly acknowledge and document my dispute A violation of the Holder Rule A potential violation of the Fair Credit Reporting Act if the dispute is not noted Unfair and deceptive conduct by a finance company I am requesting CFPB assistance due to the finance companys failure to follow federal law and properly handle a dispute involving defective merchandise financed through them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has repeatedly failed to follow my card delivery instructions, misrepresented shipping timelines, and caused significant disruption to my financial access. 

My previous fraud-related replacement card was mishandled, and even though I gave a one-time delivery address, Wells Fargo sent the card to my XXXX XXXXXXXX instead, XXXX miles round trip from my home. I finally received that card on XX/XX/year>, a week after they promised XXXX delivery and next-day XXXX tracking. 

On XX/XX/year>, a Wells Fargo ATM kept my card. Wells Fargo told me the card would be shredded inside the machine and promised expedited replacement by XX/XX/XXXX with tracking to be provided on XX/XX/XXXX. I recorded this call. Again, they asked for a one-time delivery address and confirmed the card would not go to my XXXX XXXXXXXX. 

Despite these promises, Wells Fargo again sent my card to the wrong address ( my P.O. XXXX ) and failed to provide any tracking number. This left me without access to my funds, forced me to cancel planned travel, and caused major inconvenience. 

Wells Fargos actions constitute repeated misrepresentation of services, failure to follow customer-provided mailing instructions, and interference with access to funds.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously disputed this account with the credit bureaus. They claimed they " verified '' the information, but no proper reinvestigation was completed and no method of verification was provided. XXXX is being reported as a repossession and charged-off at the the same time the auto loan is inaccurate and in violation of the FCRA Violations : Reporting the account as both charged off and repossession, which is inconsistent and inaccurate. 
Failing to report Status Code 97 and Payment Rating L, which is required for accurate repossession reporting. 
Continued reporting despite previous disputes. 
Failure to provide documentation showing proper notice of disposition/sale, as required under UCC Article 9.

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am a federal student loan borrower whose loans are serviced by Nelnet. I am unemployed with {$0.00} individual income. Despite this, Nelnet placed me on a XXXX XXXX XXXX requiring $ XXXX, which I can not pay. 

I graduated in XX/XX/year> and my loans were in in-school deferment through XX/XX/year>. After I inquired about income-driven repayment ( IDR ) on XXXX website in XX/XX/year>, my deferment was prematurely terminated and repayment obligations were applied without my consent. Nelnet refused to reinstate my in-school deferment or restore the six-month grace period. They explicitly stated that they could not help me and only submitted an internal complaint without correcting my account. 

I also requested an unemployment deferment after my state benefits ended in XX/XX/year>. Nelnet falsely claimed I was ineligible because I am not currently receiving unemployment benefits, which is contrary to federal regulations that base eligibility on employment status, not benefit receipt. 

The XXXX XXXX plan is blocked due to a federal court injunction. Remaining IDR options require filing taxes as XXXX XXXX XXXX to exclude my spouses income in order to obtain a {$0.00} payment. Nelnet provided no guidance, leaving me with only the unaffordable $ XXXX option. 

As a result of these actions, I am at risk of late payments, negative credit reporting, and financial distress. 

I request that Nelnet immediately reinstate my in-school deferment, restore the six-month grace period, process any eligible unemployment deferment, provide clear guidance on repayment options, and correct my account to remove any charges, fees, or negative reporting applied due to their errors. 

Federal regulations governing student loan deferments and grace periods include : 34 C.F.R. 682.210 ( b ) ( 1 ) - Mandates a six-month grace period for Stafford Loan borrowers after ceasing at least half-time enrollment.

34 C.F.R. 685.204 ( b ) - Governs in-school deferment requirements for Direct Loans, requiring automatic deferment for borrowers enrolled at least half-time.

34 C.F.R. 682.210 ( s ) ( 5 ) - Specifies unemployment deferment eligibility based on seeking and unable to find full-time employment, without requiring actual receipt of unemployment benefits. 
The servicers actions appear to violate these provisions by prematurely terminating statutory deferment periods, misapplying unemployment deferment criteria, and failing to maintain proper loan status during the guaranteed grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I noticed a hard inquiry, XXXX XXXX XXXX, that I have no knowledge of.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Transunions continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Subject : Unlawful Negative Credit Reporting and Harassment by XXXX XXXX After XXXX XXXX XXXX and XXXX Release on Totaled Vehicle I co-signed an auto loan with Westlake Financial Services for my XXXX son. The vehicle was financed solely in his name with me as co-signer. 
In XX/XX/year>, the vehicle was involved in an accident and declared a total loss. XXXX XXXX ( our insurer ) negotiated and reached a full settlement with XXXX XXXX. XXXX accepted the insurance payout as payment in full, released the XXXX through the XXXX, and the California XXXX subsequently issued and mailed a clean title ( pink slip ) in my sons name with no lienholder listed. 
We reasonably believed the account was closed and satisfied in full. 
Approximately XXXX  days after the settlement, XXXX began aggressively calling my son demanding that he return the clean title to them. During these calls, multiple XXXX representatives openly stated that the employee who approved the insurance settlement had been fired because management no longer liked the deal that had been agreed to with XXXX XXXX, and they now wanted to reverse the settlement and the lien release. 
Since that time, XXXX has continued to report the account as delinquent/charged-off on both my and my sons credit reports, despite having accepted the insurance proceeds as full satisfaction and having released the lien over XXXX years XXXX. 
We have contacted XXXX multiple times by phone and informed them that : XXXX. They accepted the insurance settlement as payment in full. 
XXXX. They released the XXXX and allowed the XXXX to issue clean title. 
XXXX. They no longer have a legal basis to demand return of the title or to continue reporting the loan as unpaid. 
XXXX. Their continued negative reporting is inaccurate and unlawful. 
XXXX has refused to correct the accounts or cease the negative reporting. Their actions are causing ongoing and severe damage to both of our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am submitting a formal dispute regarding the accounts listed below that are inaccurately reported on my credit report. These issues are affecting my creditworthiness, and I request that the respective credit bureaus conduct a thorough investigation into the discrepancies. 

Equifax : Charged Off Accounts : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$7200.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX * XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting child support from over XXXX years ago, debt has been paid in full im asking for removal of account its well pass XXXX years acct # 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I found inaccurate information and accounts on my Transunion credit report that is negatively affect my credit score. I have contacted the credit bureau and data furnisher to requested verifiable proof of these accounts but have receive no verifiable response. Under the Fair Credit Reporting Act rules, I am requesting that these accounts be removed from my credit report. Accounts are as follows : XXXX XXXX, Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX previously disputed and removed from report but has now reappeared. 

XXXX  XXXX XXXX, Acct # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ma
y make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation