vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I used XXXX XXXX through ATM machine at a Mountain America Credit Union to deposit money on XX/XX/year> around XXXX XXXX. The machine malfunctioned during my deposit and gave some of my cash back when I go to try to reach for the remaining cash the machine closed the door and let out a beeping sound along with an error message " please contact your financial institution ''. The ATM machine never returned my debit card and never printed out a receipt, so I walked over to the teller and explained to her what just happened to me, she told me to come inside to file a dispute. The remaining amount I believe the machine took from me is {$80.00}. Tonight I received an email from my bank claim support that they believed no error has occurred and would not refund the rest of my money back, this is ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Dear XXXX XXXX XXXX, I am currently unsure of how to respond to your recent communication. I have been advised that, in general, victims of mortgage fraud often face significant challenges in prevailing in court cases in XXXX, Massachusetts. Given this, I am uncertain about how to proceed and am still evaluating my options. 

I appreciate your patience as I work to better understand my situation. 

Sincerely, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, MA, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern : This letter is being sent to formally notify Jefferson Capital Systems , LLC that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby instructed to cease and desist all communication with me, my family, my employer, or any third party concerning any alleged debt you claim is owed.

You are prohibited from contacting me by phone, mail, email, or any other form of communication. The only communication I will accept is written notice to confirm that you are ceasing collection efforts or to notify me of specific legal action you may pursue.

Be advised that any further attempts to contact me outside of these provisions will be considered harassment and a direct violation of federal law. Should you continue to pursue unlawful communication, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and I will consider pursuing legal remedies available to me. 

This notice is sent to protect my rights. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Be aware that any negative mark found on my credit reports ( including, Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I do not owe, is a violation of the Fair Debt Collection Practices Act FDCPA Sec 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that ALL credit reporting agencies delete the entry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit file is inaccurately reporting student loan accounts tied to XXXX XXXX XXXX of XXXX, despite the fact that these loans were fully resolved under the Sweet v. XXXX class action lawsuit in the XXXX XXXX XXXX for the XXXX XXXX XXXX California ( Case No. XXXX ). 

That lawsuit was filed in XXXX, and the Court granted final settlement approval on XX/XX/XXXX. The settlement provided for the full discharge of federal student loans for borrowers who attended certain schools with strong evidence of misconduct. XXXX XXXX XXXX was explicitly listed in Exhibit C of the settlement, which means my loans were included in the group of approximately XXXX borrowers entitled to automatic, complete relief including loan cancellation and credit repair. 

As part of that settlement, my accounts were supposed to be XXXX and deleted. Yet Experian, Equifax, and TransUnion continue to report these loans as active, which is inaccurate and misleading. These loans were legally settled and XXXX ; they should no longer appear on my credit report in any form. 

I have already disputed this information, but the accounts continue to report. This violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires maximum possible accuracy, and Section 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 

This inaccurate reporting has damaged my credit standing and is unfairly preventing me from accessing financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit file is inaccurately reporting student loan accounts tied to XXXX XXXX XXXX of XXXX, despite the fact that these loans were fully resolved under the Sweet v. XXXX class action lawsuit in the XXXX XXXX XXXX for the XXXX XXXX XXXX California ( Case No. XXXX ). 

That lawsuit was filed in XXXX, and the Court granted final settlement approval on XX/XX/XXXX. The settlement provided for the full discharge of federal student loans for borrowers who attended certain schools with strong evidence of misconduct. XXXX XXXX XXXX was explicitly listed in Exhibit C of the settlement, which means my loans were included in the group of approximately XXXX borrowers entitled to automatic, complete relief including loan cancellation and credit repair. 

As part of that settlement, my accounts were supposed to be XXXX and deleted. Yet Experian, Equifax, and TransUnion continue to report these loans as active, which is inaccurate and misleading. These loans were legally settled and XXXX ; they should no longer appear on my credit report in any form. 

I have already disputed this information, but the accounts continue to report. This violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires maximum possible accuracy, and Section 611 ( a ), which requires credit bureaus to conduct a reasonable reinvestigation of disputed information. 

This inaccurate reporting has damaged my credit standing and is unfairly preventing me from accessing financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I was approved for the XXXX XXXX Citi Visa card at my place of work ( XXXX ). I was told it would arrive in 7-10 Business days. On XX/XX/XXXX I received a text from Citibank that reported the Card was returned back to them. I called them to fix any address issues they had on my file, but they said they couldn't do anything until my address was verified. I answered my security questions, gave the last four digits of my SSN, and listed my address on the phone, explaining that I had given both my Street Address and my XXXX XXXX XXXX. The mail had to be delivered to the XXXX XXXX because my street address doesn't have a mailbox.

Their customer support said they would send a letter to my address to verify my account and then they would fix the address issue afterwards, but the letter won't reach me unless they fix the address issue first. So I asked if I could close the account since I won't ever get the card, and they said they couldn't unless they verified my account. So I have an open line of credit in my name out there that I can not close and won't ever receive the card for. I don't even have a proper account with Citibank so I can't view any fraudulent charges to the card if they were to happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: ID

Complaint narrative:
b'Received a collection letter dated XXXX XXXX XXXX  from Sunrise Credit Servics Inc XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX creditor account number XXXX  SCS Acct # XXXX Account Balance XXXXTHIS IS NOT MY ACCOUNT'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PR

Complaint narrative:
ACTIONABLE MOTIVATION FOR IMMEDIATE RESOLUTION : On XX/XX/year>, American Education Services ( AES ) sent me an email explicitly stating they would contact me within XXXX business days to address my concerns and provide explanations regarding the discrepancies in my account. 
The XXXX business days have expired with no response from American Education Services. 
This breach of their own commitment demonstrates : Deliberate evasion of legitimate consumer inquiries Bad faith negotiation tactics Continued pattern of ignoring documented concerns CRITICAL UNRESOLVED ISSUE : I demand an immediate explanation for why American Education Services is charging me over {$15000.00} when I have provided documentary evidence ( screenshots ) clearly showing that : Only {$1.00} was actually disbursed to my account Another disbursement was canceled entirely The mathematical impossibility of this situation - charging $ XXXX for {$1.00} in actual disbursements- constitutes prima facie evidence of fraudulent billing practices. 
American Education Services ' continued silence after their explicit promise to respond within XXXX business days proves they can not legitimately justify these charges and are hoping I will simply abandon my pursuit of the truth. 
This pattern of promise-breaking and evasion makes immediate regulatory intervention not just appropriate, but essential to prevent continued consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: IN

Complaint narrative:
I decided to surrender the car a year early due to not being able to pay the monthly amount. 

The same day I took the car back to the dealership that originally got the car from in XXXX of 2025, the dealership then let me get another car from their lot that was more affordable for me. 

4 months later, I received a message from my ex fianc, whose was the co-signer of the vehicle, stating that he received a letter from XXXX XXXX debt collector demanding I pay {$25000.00}. 

I had no knowledge of what happened to the car after I surrendered the vehicle in XX/XX/year>, or that it was going to collections. This gave me XXXX chance of resolving any balance prior to the collection. 

I did call XXXX XXXX on XXXX XXXX to get more information and I was told that it just went to collections and charged off. 

Also, Ive never received a XXXX or any other information prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, I financed a {$6000.00} purchase through Affirm for services from XXXX XXXX XXXX XXXX During my onboarding video call, I was promised business funding assistance, which was presented as the primary way I would be able to cover the cost of the program. This funding was never provided. 

Instead, I was given access to some generic livestream sessions and pre-recorded content. While these materials existed, they did not match what was described or what I signed up for. The key service I was sold on business funding support to pay for the course was never delivered. 

I attempted to cancel and request a refund directly from XXXX, but they refused, citing a no refund policy for customers who financed through Affirm. I also escalated the matter through Affirms dispute process, but Affirm denied my claim solely on the basis of the merchants refund policy. 

XXXX has already been paid in full by Affirm, while I am left with a {$6000.00} loan for services that were misrepresented. I am now overdue on payments and experiencing financial hardship. 

I am requesting relief from this loan and an investigation into Affirms financing of merchants who use unfair no refund policies and fail to deliver services as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent accounts into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The following accounts in question areXXXX - XXXX XXXX XXXXXXXX XXXX XXXX were previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted these accounts without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX # XXXXDate Opened XX/XX/XXXX - Balance {$5600.00} XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$320.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXXDate Opened XX/XX/XXXX - Balance {$600.00} XXXX XXXX, XXXX XXXX XXXX -Date Opened XX/XX/XXXX - Balance {$1000.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX - Balance {$12000.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX - Balance {$6400.00} FIRST XXXX XXXX  # XXXX XXXXDate Opened XX/XX/XXXX - Balance {$0.00}

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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: VA

Complaint narrative:
I need help Because I just got over my illness, I just went back to work and have money to pay the rent, but I haven't paid it all yet. I want to keep the house and don't want it to be confiscated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
I am filing this complaint against [ Creditor/Collection Agency Name ] for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. 
Violations committed : XXXX. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 16811 & 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information. 
XXXX. Fair Debt Collection Practices Act The reporting of this eviction is deceptive, as no final judgment or public record proving l legally owe this debt has been provided. 
XXXX. Gramm-Leach-Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801. 
XXXX. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing. 
Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. 
If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation