vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
NELNET CONTACTED ME RECENTLY ABOUT A LOAN THATS FROM XX/XX/year>, with current balance reflecting {$1700.00}. I AM REQUESTING SPECIFIC DOCUMENT TO VALIDATE XXXXHEIS DEBT THAT THEY CLAIM OWE THEM. THEY STATED THEY BOUGHT THIS DEBT MANY YEARS AGO.

ANYTIME I DISPUTE THEY SEND A CONTRACT, THAT IS NOT WHAT I AM ASKING FOR. SINCE NELNET CLAIM THEY PURCHASED THIS DEBT MANY YEARS AGO PLEASE SEND ME ALL DOCUMENTS REQUIRED BY LAW.

The name and address of the original creditor and the full account history, including all charges, payments, and any fees added.

Proof that NELNET LOAN has legal authority to collect this alleged debt, PLEASE SEND AUTHENTICATED COPIES OR SWORN AFFIDAVITS, including a copy of the CONTRACT OF assignments/bill of sale showing you legally purchased or were assigned the debt. Chain of TITLES.

A copy of any signed agreement or contract that allegedly obligates me to pay this debt.

Documentation that this debt is secured, including details of any collateral tied to the account and a copy of the original security agreement.

A full itemization of the current debt, including the original balance, interest, penalties, collection fees, and how these amounts were calculated.

Until this validation is provided, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. If this debt is being reported on my credit file, it must be marked as active dispute.

If you are unable to provide the above-requested documentation, I demand that you cease collection efforts immediately and remove any derogatory information you have reported regarding this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date last reported XXXX XXXX Amount XXXX Ive reported this on many occasions with each credit credit bureau XXXX XXXX and XXXX XXXX and no action was taken Really not happy with these procedures taking place on my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: SC

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. Thank you

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 2025-06-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
The account is closed and paid in full, but its still showing late payments and derogatory marks that are not accurate. 
I am disputing this information because under the Fair Credit Reporting Act, all information on a credit report must be accurate and verifiable. 
The company is no longer able to verify these late payments on a closed account. 
I am requesting that these derogatory marks be removed from my credit report 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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The account were sold to a third-party and the balance are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I transferred XXXX to my paypal account to pay .my power bill paypal took XXXX put it on hold u til and open ase was resolved ut was ruled in my favor paypal will nit release ny finds to transfer to my bank for 180 days XX/XX/year> I live on a fixed income that is bill money that i desperately need niw i need it released asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
i've been trying to dispute these incorrect accounts for some time now. i need help a this is really damaging my ability to rent an apartment it is affecting my livelihood and of my children when inaccurate information is being put on my credit report I have disputed this several times I don't recognize these cards nor charges company has not furnished any debt validation since XXXX! Therefore I need this deleted from my credit report please. I've mentioned several times I have been a victim of identity theft years ago and with the date breach of many credit bureau ; s its been nearly impossible to get this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I am filing this complaint regarding Wells Fargo overdraft fees that were improperly charged to my account despite my proactive efforts to prevent them. 

On XX/XX/XXXX, I called Wells Fargo and spoke with a representative to confirm that my account was set to block overdrafts. I have phone records that verify this call took place on XX/XX/XXXX. During that call, I was assured that overdraft protection would prevent any further overdrafts from posting. 

Despite this, transactions posted on XX/XX/XXXX and XXXX, and Wells Fargo charged me three overdraft fees. When I contacted Wells Fargo again, they informed me that " it can take up to XXXX business days '' for overdraft protection changes to take effect. However, I was not informed of this delay during my XX/XX/XXXX call, nor was I advised at any point in prior conversations that the protection was not fully active. 

Additionally, I had previously requested overdraft protection removal years ago and was assured it was applied at that time. For years, this was not an issue indicating the bank system had already applied protection yet for some reason this time, it failed. 

These overdraft fees should have never posted, as I called prior to any of these transactions processing. I should not be penalized {$100.00} for attempting to prevent the very overdrafts that Wells Fargo allowed to process after my request.

I am requesting full reversal of these three overdraft charges.

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 2025-06-15 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: TX

Complaint narrative:
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
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like to speak with someone regarding my interaction on XX/XX/year>. The agent, XXXX was rude to me when I tried to explain my situation. Ive been on time with all my payments prior to XXXX. I made a full payment not even an hour after XXXX and was charged a {$40.00} late fee. Prior to XXXX, Ive never had a late payment and had a great payment history. When I called, everyone treated me like my tenure didnt matter and was not willing to waive the {$40.00} as a final courtesy. XXXX willing to sign up for autopay and I make multiple payments a month. XXXX requesting one-final exception to waive the {$40.00} fee. Thank you for any assistance in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Exeter Finance regarding an auto loan I believe to be predatory in nature and harmful to me as a consumer. 

* * Loan Details : * * - Lender : Exeter Finance - Contract Date : XX/XX/XXXX - Maturity Date : XX/XX/XXXX - Original Amount Financed : {$21000.00} - APR : 24.64 % - Monthly Payment : {$560.00} - Payments Made to Date : 51 - Remaining Balance : {$14000.00} Despite making consistent payments for over four years, totaling nearly {$29000.00} to date, I still owe over {$14000.00} on a vehicle that was likely worth far less than the original loan amount even at the time of purchase. With the current trajectory of this loan, the total repayment amount will exceed * * {$43000.00} * *, more than double the original amount financed. 

I believe this loan meets several criteria of predatory lending, including but not limited to : - * * Excessively high interest rate ( 24.64 % APR ) * * - * * Loan terms and conditions designed to trap the borrower in long-term debt with minimal principal reduction * * - * * Potential inclusion of inflated fees or add-ons * * - * * Disproportionate loan balance relative to vehicle value * * This structure has caused long-term financial harm, made it nearly impossible to build equity in the vehicle, and now leaves me unable to exit the loan without severe financial loss. I believe Exeter Finance has taken advantage of my financial vulnerability and extended a loan under terms that no fair or reasonable lender should offer. 

I am requesting the following : 1. A full investigation into Exeter Finances lending practices in my case.

2. Consideration for loan modification, interest reduction, or restitution.

3. Public record of this complaint to help inform and protect other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau.

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 2025-06-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NC

Complaint narrative:
I have requested Selene Finance to submit any funds left over in the escrow account and any other funds be made payable to me. Selene insist on making checks payable to a deceased person ( XXXX years ago ). I have informed them that the deceased name is not on an account because they are deceased and I can not cash any checks made payable to a deceased person. They have added the deceased person name along with my name listed as the second person. No bank will cash this. Checks should be made payable to me only. 

Selene also insist on mailing documents to the property in which is now sold. I can not get this mail. I have informed Selene of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX account on my report is not reporting paid in full but is reporting as a collection/charge off. I received a paid in full letter from XXXX and forwarded to TransUnion and its still showing XXXX off. Per FCRA this account suppose to be marked as paid full. I.e payment status, zero balance etc

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 2025-06-15 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I submitted a formal dispute to all three major credit reporting agencies concerning a closed XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ). The reporting on this account is inconsistent, misleading, and potentially re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 607 ( b ) : Inaccuracy and inconsistency The Date of Last Activity and Date Reported differ significantly between the bureaus. 

Equifax falsely shows account activity in XXXX, even though the account was closed in XXXX, raising concern of unlawful re-aging. 

XXXX  reports the account as Paid, was past due 150 days, while both Equifax and XXXX  show it as Pays as agreed. These conflicting statuses are materially misleading. 

623 ( a ) ( 3 ) : Failure to reflect dispute notation XXXX  shows a dispute remark on the account, but Equifax and XXXX  do not reflect this, violating the FCRAs requirement that disputes be noted across all credit reporting agencies. 

611 : Inadequate reinvestigation I previously submitted a dispute, but none of the CRAs resolved or corrected the discrepancies, nor did they uniformly update or verify the account data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-15 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am submitting a formal complaint regarding a charge-off account reported by Affirm Inc. on my XXXX credit report. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and remains unresolved despite a previous dispute filed in XX/XX/XXXX. 

Illegal Re-Aging : The account was charged off in XX/XX/XXXX, yet it is still being reported as " past due '' as of XX/XX/XXXX. Once a debt is charged off, it can not continue to be reported as currently delinquent. This violates FCRA 1681c. 

False Payment Activity : The payment history shows " {$0.00} paid on XX/XX/XXXX '' for every month from XXXX through XXXX. This creates the false appearance of ongoing account activity and is both misleading and unverifiable under FCRA 1681s-2.

Excessive Monthly Charge-Off Reporting : The account is marked as " CO '' ( charge-off ) every month for multiple years, which artificially depresses my credit score. A charge-off is a one-time event and should not be recorded repeatedly across years. 

Corrupted Metadata : The Experian report includes multiple entries labeled " Invalid date '' in the comment section. This indicates that the data is corrupted or incomplete, making the account unverifiable under FCRA 1681i and in violation of the accuracy standards outlined in FCRA 1681e ( b ). 

Failed Prior Dispute : I filed a formal dispute in XX/XX/XXXX, and XXXX marked the account as verified. However, none of the above reporting errors were corrected. The account continues to be reported inaccurately and in a manner that violates my rights as a consumer. 

Additionally, the report contains dozens of entries labeled Invalid date in the comment section, showing the data furnisher submitted corrupted or incomplete metadata. This violates the FCRAs accuracy and reinvestigation standards ( FCRA 1681e ( b ) and 1681i ). 

I originally disputed this account in XX/XX/XXXX, but none of these errors were corrected. As a result, the information remains inaccurate, unverifiable, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this issue here again.Attachments for the issue We have trying to solve this problem with Credit card company, which is Capital One, and they are never really solve this problem for us. On this purchase, back on XX/XX/year>, we are moving back in XXXX, booked the hotel, it is located in XXXX XXXX XXXX XXXX, XXXX CA XXXX about this property and screamed trouble. We had booked the property online prior to seeing it once we arrived at it was clear prior to even checking in that the property was not safe and comfortable or any sort of value. They insisted on a cash only deposit, limited parking, additional daily fees for a secondary car. As we were trying to check in, we could overhear customers complaining about their hotel roomsXXXX Everything about this property screamed trouble before we could even check in. Thanks to their cash only deposit request they conveniently had a cash ATM in their lobby, but everything told me not to trust anything about this hotel because XXXX sure their ATM machine had exorbitant service charges, not to mention that the ATM was not through a recognizable banking provider. we do not check this hotel, at the hotel lobby, we call hotel.com customer service department for XXXX no any answer, also, call credit card company to tell them this issue. On this matter, we had dealing with credit card company many times, but never solved.

Company response to consumer: Closed with monetary relief