vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I made a credit card payment to XXXX XXXX XXXX and before I could cancel it for an unexpected reason it was too late. I called XXXX XXXX XXXX XXXX  and requested that they cancelled my payment but they told me that it was already late and if the funds had cleared my account I could file a dispute with my bank to initiate a retrieval request with my Wells Fargo checking. I usually make the payment to my credit cards then deposit the money and since I had an issue with money I could not deposit it. Since there was no money in my account the payment returned and I had no issues whatsoever. A few days after that I deposited {$39000.00} XX/XX/year> and made my XXXX XXXX payments. XXXX for XXXX and the other one for $ XXXX. A few days later a received a notification from XXXX XXXX XXXX  that they were closing my account because I made the insufficient funds payments to them. After I explained to the manager that it was not my mistake and faxed the statement they decided to reinstate my account. I called Wells Fargo bank literally the day I received the letters from XXXX  XXXX XXXX  maybe 3 or 4 days after the payment returned and fount out that XXXX XXXX XXXX XXXX  did a second attempt and took the available money I had for the XXXX  XXXX payment.I called XXXX XXXX  and was told that their policy was to contact the bank and request a payment dispute. I called Wells Fargo and requested the dispute as I did not know that XXXX had attempted to take the money for the second time. They took down my request and after two days I called to check on the status of my claim they advised me that they had denied my claim due to the fact that I had not filed it on the same day XXXX XXXXXXXX XXXX had taken the money.

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 2025-08-14 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. This account in question include XXXX XXXX XXXX. Theis account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Date ] To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation & CFPB Complaint Account # XXXX Original Creditor : XXXX XXXX XXXX Reported Balance : {$440.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account. This is not a refusal to pay but a lawful request for complete debt validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ). 

Until you provide full and competent validation, you must immediately cease all collection activities, including but not limited to phone calls, text messages, emails, workplace contact, and reporting to any consumer reporting agency ( FDCPA 805 ( c ) ). 

For this account, I demand the following : 1. Assignment contract or full chain of assignment from the original creditor to Jefferson Capital Systems , LLC.

2. Bill of sale from the original creditor with identifying account details.

3. Account-level documentation, including but not limited to the signed contract, monthly statements, and charge-off details.

4. Proof of licensing and bonding authorizing Jefferson Capital Systems , LLC to collect in the XXXX  of Pennsylvania.

5. Full breakdown of the alleged balance, showing principal, interest, fees, and any other charges.

Reporting or attempting to collect on an unvalidated debt violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ). If you can not produce the above documentation within the time allowed by law, you must : Immediately remove all information related to this account from all consumer reporting agencies ; Provide written confirmation of deletion ; and Refrain from selling, transferring, or reassigning this account to any other entity. 

This matter is also being filed as a formal complaint with the Consumer Financial Protection Bureau for investigation. My requested resolution is : Permanent deletion of this account from all credit reports ; Written confirmation of said deletion ; Prohibition against future collection or resale. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
TransUnion reinserted 2 bankruptcies that had been deleted after my disputes. I received no written notice within 5 business days as required by FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), and TU has not shown it obtained the required certification before reinsertion. Please delete both, provide the method of verification ( source/vendor, XXXX XXXXDs, match criteria ), and confirm compliance. If either is obsolete under 605 ( a ), delete for age and block reinsertion.

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my credit report that I believe contain incorrect information, and under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate report ; therefore, I request a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-08-14 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: OK

Complaint narrative:
I charged a XXXX $ transaction to XXXX and a XXXX $ transaction to XXXX i was charged twice for the {$25.00} transaction and should not have been. I already had about XXXX $ in my account. I made a XXXX $ transaction at XXXX XXXX XXXX XXXX and a XXXX $ transaction at XXXX XXXX XXXX and because I was charged twice for the {$25.00} XXXX transaction It put my account in the negative. The bank acknowledged that I was charged twice for the XXXX transaction but refused to give me my money back for the overdraft fees they charged me which is {$70.00}!!! 

They also denied my dispute for charges that they said were authorized by me or someone had my permission because a pin was used when they are online transactions so there was not a pin used. They need to give me my money back. This 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 2025-08-14 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed items to be remove and deleted company information from XXXX  and Experian. 

XXXX XXXX XXXX BALANCED {$910.00} XXXX XXXX XXXX XXXX BALANCED XXXX {$46000.00} XXXX XXXX  XXXX BALANCED {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3600.00} XXXX XXXX BALANCED {$1200.00} XXXX XXXX  XXXX BALANCED {$1100.00} XXXX XXXX BALANCED {$14000.00} XXXX XXXX  XXXX BALANCED {$1500.00} XXXX XXXX XXXX. XXXX BALANCED {$470.00} XXXX  XXXX XX/XX/2024 XXXX  XXXX XXXX  XX/XX/2024

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 2025-08-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am paid biweekly and have banked with USAA since about XXXX when I started college. I have trusted them for years, and this is the first time I have seriously considered moving my accounts. 

On XX/XX/XXXX, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, USAA approved several transactions even though there were not enough funds because overdraft was on by default. When my paycheck posted, a large part was taken right away for overdrafts and fees. 

On XX/XX/XXXX, I called USAA, explained extreme financial hardship and that I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and said I wanted my transactions to decline rather than pay hundreds in fees. They reversed two of the five fees from that cycle, but did not tell me I could turn overdraft off so future transactions would simply decline, and did not mention any overdraft policy update. I would have turned it off immediately. 

My next payday was XX/XX/XXXX, my second full paycheck after the XXXX XXXX Because overdraft was still on, new fees and recovery of the negative balance took most of that check within about two days. I could not cover bills due on XX/XX/XXXX, which led to more negative balances and more fees. 

Today, I called again and spent about an hour asking how to remedy this so it would not keep happening. Only after that hour did USAA finally tell me I could disable overdraft. I immediately turned it off. During the same call they also said they updated overdraft information last year and sent it as a new document available email. Those emails do not say what the document is ; you have to log in and find it. I never received a clear warning that overdraft was enabled by default or that I could disable it. Even after my XX/XX/XXXX hardship call, no one suggested turning it off. 

This feels unfair. A default overdraft setting drained my first two paychecks after a XXXX XXXX. I asked for help the day after the first check, and again today. USAA did a small refund on XXXX, but did not give me the one step that would have stopped the damage until today after about an hour on the phone. The vague new document emails did not give timely, plain notice.

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 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
XXXX XXXX Nelnet XXXX XXXX XXXX XXXX XXXX and Failure to Apply IDR Adjustment I am submitting this complaint regarding Nelnet and the mishandling of my federal student loan repayment history, particularly their failure to apply the Income-Driven Repayment ( IDR ) Adjustment as mandated by the U.S. Department of Education XXXX 

I have been in repayment on my federal student loans since XXXX a total of 22 years. From XXXX through approximately XXXX, my previous loan servicers ( XXXX XXXX and XXXX ) placed me into 17 years of repeated long-term forbearances, often without providing clear information about or access to income-driven repayment plans. Many of these forbearances were not voluntary ; I was steered into them or given no meaningful alternatives, despite being eligible for IDR plans.

Under the current IDR Adjustment policy, announced by the Department of Education, these extended forbearance periods especially those lasting 12 months or more or totaling 36 months or more should be counted toward loan forgiveness. I have since consolidated into a Direct Consolidation Loan and enrolled in an Income-Based Repayment ( IBR ) plan to ensure eligibility. 

However, Nelnet has only credited me with three years of repayment, which is grossly inaccurate. My repayment history goes back to XXXX, and I should have already been reviewed under the IDR Adjustment as of XX/XX/XXXX. Yet, no IDR credit has been applied, and no forgiveness has been granted. 

Key Details : I was involuntarily placed into forbearance/deferment for 17 years by XXXX XXXX , despite being eligible for IDR plans. 

My balance grew from {$49000.00} to {$78000.00}, despite a low interest rate of 2.8 %. 

In the last six years, Ive paid {$28000.00}, and my current balance is still around {$51000.00}. 

Nelnet has failed to provide an accurate payment history, and my account is not reflecting decades of qualifying repayment or forbearance time. 

Actions Taken : I have contacted Nelnet directly but have received no satisfactory resolution. 

I have also filed a complaint with XXXX XXXX XXXX and contacted my XXXX representative, but no action has been taken to resolve the issue. 

What Im Requesting : A full review of my loan under the IDR Adjustment policy. 

Accurate credit for all eligible months of repayment, forbearance, and deferment dating back to XXXX. 

A complete and corrected payment count history from Nelnet. 

Immediate processing of any forgiveness I am eligible for under IDR Adjustment rules. 

I respectfully request the CFPB to investigate this matter and ensure that Nelnet complies with Department of Education policies, including the proper application of the IDR Adjustment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In the XX/XX/year>, US Bank decided to close my business checking account. The checking account has {$1900.00} and the bank has since returned {$1300.00}. I have tried getting the full amount, as I was made to understand that I would by a customer service agent. However, {$600.00} remains to be disbursed. From the last correspondence, I was told that the reason that {$600.00} has been withheld is because the bank has been unable to verify the source of the funds. This is following months of seizing the funds and an investigation. The funds have been withheld for over 90 days which is reasonable enough time for the bank to have verified the funds. I humbly ask the bank to return the {$600.00} to me so I can put this chapter behind once and for all.

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 2025-08-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-14 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-14 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: NJ

Complaint narrative:
Company alleges debt that's been off set by in proper accounting

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Company alleges debt that's been off set by in proper accounting

Company response to consumer: Closed with explanation