vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Complaint Regarding Federal Perkins Loans Missing Promissory Note Dear CFPB, I am submitting this complaint regarding two Federal Perkins Loans currently being reported on my credit reports and collected through the Treasury Offset Program.

The U.S. Department of Education has admitted in writing that it can not locate the promissory note for these loans. Despite this admission, the Department has continued credit reporting, collection activity, and Treasury offsets.

Absent proof of a legally enforceable obligation, these actions violate the Fair Credit Reporting Act, the Higher Education Act, and Treasury Offset regulations.

I respectfully request CFPB assistance in requiring the Department of Education and related agencies to cease collection, correct credit reporting, and refund improperly collected offsets.

I am disputing the following accounts : Creditor : U.S. Department of Education / XXXX XXXX Account Numbers : XXXX / XXXX Sincerely, 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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, a debt collection account was opened by Credit Collection Services related to an alleged debt originally owed to XXXX. The account reflects an open balance of {$220.00} and was last reported on XX/XX/XXXX. 
After becoming aware of this collection, I sent a written debt validation request to Credit Collection Services in accordance with the Fair Debt Collection Practices Act ( FDCPA ), requesting verification of the debt, including documentation showing the amount is accurate, that the debt is legally owed, and that Credit Collection Services has the authority to collect it. 
Despite this request, Credit Collection Services did not provide proper validation of the alleged debt. No documentation has been supplied demonstrating that the debt is accurate or that the company has the legal right to collect it. 
While failing to validate the debt, Credit Collection Services has continued to report the collection account to consumer reporting agencies, which is causing ongoing harm to my credit profile. 
Continuing collection activity and credit reporting without providing proper validation is improper and inconsistent with federal consumer protection requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
in accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, i looked at my Equifax account and noticed some things are incomplete and not accurate. 

XXXX inquiry number not available XXXX XXXX XXXX {$490.00} XXXX  XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX- {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$3900.00} DEPT OF ED- {$2300.00} DEPT OF ED- {$5000.00} DEPT OF ED- {$3800.00} DEPT OF ED- {$2400.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX All Banks ( XXXX ) XXXXXXXX XXXX XXXX XXXX {$840.00} b ) ACCURACY OF REPORT FCRA 15 USC 1681E ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Phone was hacked. Phone acct. deactivated. Company refused to shut down and stopped charging acct. talked to co. Several times and recorded conversation each time. XXXX. Paid on full but could. Refused to shut down and kept acct charging. Talked to company each time. A agreement was reached by XXXX live representatives And their supervisors. To stop charging but lied and continue to falsely charge acct.and charge late fees. Acct shut down originally in XXXX and continue to charge till late XXXX .. phone was not ever re-activated after hacked. XXXX refuse or company stated this. Phone did not have service after XXXX. Tried XXXX companies in local area to resolve issue. Showed phone did not have service.phone was dead. Stated they could not reactivate it. Refused to activate it. Continued to charge for service even though they refused to get service and falsified contract. Phone calls recorded but refused to give written statement of shutting down service. XXXX employee said he would testify that I was in front of him in XXXX XXXX Florida and I was talking to a company representative requesting shut down and no service available on phone. Phone was hacked to commit fraud and steal ID. O falsely continue charging for a sserbice not provided after I shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a disputed transaction that resulted in substantial financial loss to me.

I received a {$20000.00} payment into my Bank of America checking account as payment for cryptocurrency. This was a legitimate, consensual transaction. I fully delivered the cryptocurrency to the sender, and I have verifiable blockchain transaction records ( TXID ), timestamps, and written communications confirming delivery.

Approximately five months after the transaction was completed, the sender filed a fraud claim alleging the transfer was unauthorized. Despite the clear evidence that the transaction was valid and that the cryptocurrency was delivered as agreed, Bank of America reversed the funds in favor of the sender.

This action allowed the sender to retain both the {$20000.00} and the cryptocurrency, resulting in unjust enrichment and enabling fraud. I suffered direct financial harm as a result of this decision.

Additionally, Bank of America debited the remaining balance in my account ( {$160.00} ) under a Claims Processing Transaction, effectively closing the dispute against me without a transparent or fair review process.

I dispute Bank of Americas determination and believe the bank failed to properly assess the evidence provided. I respectfully request a full investigation, reversal of the disputed amount, and restoration of my funds.

I am prepared to provide all supporting documentation, including blockchain records, transaction history, and communications related to this transaction.

I request CFPB assistance in resolving this matter.

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 2025-12-14 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am disputing two alleged Federal Perkins Loans currently being collected and enforced by the U.S. Department of Education and the Treasury Offset Program. 

In a written response dated XX/XX/year>, the Department of Education admitted it is unable to locate the promissory note for the alleged loans. 

Despite this admission, the Department : Re-entered the loans into its system in XX/XX/year> Certified balances for Treasury Offset Collected funds via offset Continued enforcement without proof of obligation Without a promissory note, there is no enforceable debt under the Higher Education Act.

Certification for Treasury Offset without proof violates 31 CFR 285.5 and due process.

I am requesting : Immediate suspension of offsets Written confirmation whether the promissory note exists Withdrawal of certification if proof can not be produced Refund of improperly collected funds

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, a debt collection account was opened by Credit Collection Services related to an alleged debt originally owed to XXXX. The account reflects an open balance of {$86.00} and was last reported on XX/XX/XXXX. 
After becoming aware of this collection account, I submitted a written debt validation request to Credit Collection Services in accordance with the Fair Debt Collection Practices Act ( FDCPA ), requesting verification of the debt, including documentation showing that the amount is accurate, that the debt is legally owed, and that Credit Collection Services has the authority to collect it. 
Despite this request, Credit Collection Services did not provide proper validation of the alleged debt. No documentation has been provided demonstrating the accuracy of the debt or the companys legal right to collect it. 
While failing to validate the debt, Credit Collection Services has continued to report the collection account to consumer reporting agencies, which is causing ongoing harm to my credit profile.

Continuing collection activity and credit reporting without providing proper validation is inconsistent with federal consumer protection requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am experiencing difficulty making payments on an auto loan serviced by XXXX  XXXX. The account shows a balance of {$28000.00}, last updated on XX/XX/year>. 
Due to financial hardship, I have been unable to keep up with the required payments under the current loan terms. I have attempted to manage the account responsibly, but the payment amount is not affordable based on my current financial situation. 
I am concerned about the risk of further delinquency, negative credit reporting, and additional fees. I am seeking assistance to work toward a reasonable and sustainable repayment solution. 
To date, no long-term affordable payment modification or hardship accommodation has been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I opened a SoFi account and had a remaining balance of {$430.00}. On [ XX/XX/year> ], XXXX closed my account. 

After the closure, I was told that my remaining balance of {$430.00} would be returned to me via mailed check. 

As of today ( [ XX/XX/year> ], I have not received the check or any written confirmation that it was issued. I contacted SoFi multiple times by phone and email, requesting : Confirmation that the refund check was issued The date the check was mailed The check number or tracking information SoFi was unable to provide this information and has not returned my funds. The account has been closed for over two months, and my balance remains inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Carrington Mortgage Services incorrectly reported a XXXX day late payment for XXXX of XXXX through XX/XX/XXXX ( XXXX total months ) on my FHA mortgage. At that time, my loan was under a CARES Act COVID-19 forbearance review and approval, during which I was advised in writing that no late payments would be reported. 

Carrington initially confirmed my eligibility for forbearance. Without explanation or borrower notification, the account was later converted to a partial claim. I was not informed of the reason for this change, and no notice was provided indicating that delinquency reporting would occur during this transition.

Despite this, Carrington reported the account as delinquent. This reporting is inaccurate and noncompliant with CARES Act requirements for federally backed mortgage loans. 

I have submitted a formal Notice of Error under RESPA requesting correction. This inaccurate reporting has caused material financial harm, including preventing me from completing an FHA cash-out refinance to consolidate high interest tuition payments and pay off student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened an investment account with Ally Bank on XX/XX/2025 and transferred money from my checking to this account. Shortly thereafter, their system showed that the investment account was " unavailable ''. It has been unavailable for XXXX XXXXays, and it doesn't show the XXXX that I transferred to that 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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo to see what is going on with my card as it hadnt been delivered and had been past 5-7 buisness days. I explicitly told a Wells Fargo agent not to cancel or replace my debit card. Despite this, the agent processed a replacement, which automatically canceled the valid card I later received the same day. I was unable to activate it. I was unaware of this until I tried activating it and was having problems and had to call bank and was told card was closed.

When I called back to request a manager, the manager disconnected the call and never tried calling me back.This cancellation was not authorized, caused delays in accessing my funds, and required additional calls. I am requesting expedited replacement, documentation of agent error, and assurance this does not happen again.

On recorded call, I at no point authorized or consented for replacement to cancel my card and issue a replacement. I even clarified to agent that I did not want him to try to issue a replacement. I have bills that need to be paid and have been waiting for 2 weeks for this card only for it to be cancelled without my authorization which is a serious violation of banking rules and my customer rights. This is improper and unauthorized behavior by this Wells Fargo agent. This agent ignored my instructions and thats unauthorized action by this employee and a breach of internal bank policy.

I was told I now have to wait till Monday to call again because there department is closed till Monday.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX incorrectly reported a XXXX day late payment for XXXX of XXXX through XX/XX/XXXX ( XXXX total months ) on my FHA mortgage. At that time, my loan was under a CARES Act COVID-19 forbearance review and approval, during which I was advised in writing that no late payments would be reported. 

XXXX initially confirmed my eligibility for forbearance. Without explanation or borrower notification, the account was later converted to a partial claim. I was not informed of the reason for this change, and no notice was provided indicating that delinquency reporting would occur during this transition. 

Despite this, XXXX reported the account as delinquent. This reporting is inaccurate and noncompliant with CARES Act requirements for federally backed mortgage loans. 

I have submitted a formal Notice of XXXX under RESPA requesting correction. This inaccurate reporting has caused material financial harm, including preventing me from completing an FHA cash-out refinance to consolidate high interest tuition payments and pay off student debt.

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