vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/year> Capital one bank checking account I did a dispute due to fraudulent charges and they sent me an email stating they closed my account and i was no longer to get funds out of my account i asked them is there a way to turn the card back on so i can send the money to my XXXX XXXX card they told me no i called them all day to see if there is away i can get all my money out the account they told me no i can only withdraw XXXX out my account which XXXX is in my account i need all my money i have to pay my rent or else me n my kids are going to be homeless. Theu didnt care i told them i dont care about the disputes that were i called in about i just need my money to rent my bills They refused to give me all the money my kids social security money is in that account as well. They told me the XXXX is on hold til the issue is resolved after XX/XX/year> i said to the customer service representative i need all my money i have to pay the rest of my rent i went to a capital one XXXX to go to atm they told me i had to go to a branch i said rhe branch is 2 hours away i have no transportation to go to a Capital One branch in XXXX, va they kept saying i no i cant get my money i need all my money out that closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have been paying my student loan through Nelnet for quite a long time. When the government offered the sign up for student loan forgiveness I of course applied and was approved. I continued making my loan payment on time each month. Now please note when you login to Nelnet you make one payment. They combine all the loans in to one payment. In XXXX of XXXX  I logged in to make my payment and it should my loan was completely paid off. I continued to check it monthly just to make sure it was still showing paid. In XXXX I was doing an home improvement loan with my bank and when they pulled my credit report which has never had a late payment, it showed 4 accounts past 90 days due with XXXX. Somehow my student loan was transferred to them and I was never notified. I have called them, Nelnet and the Federal student aid office for help with this situation. Each one blames the other and I am left with a ruined credit score because of the lack of notification from any of the three that my loan was transferred. I immediately paid the loan payment when I learned that the account existed. All I am asking for is that they remove the 90 days late on four accounts, that when you login in is only one payment, not 4 from my credit report. I can not pay an account that I did not know existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-10-10 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: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute 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 2025-10-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I trust that everything is going well. I am composing this letter to discuss the accounts listed below. That information is included in my credit report and is having a significant impact on me. I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report. I am genuinely affected by these accounts, as they are not mine and I should not be held accountable or responsible for something that was opened without my knowledge. I am confident that you would not wish to pay for a service or product about which you are unaware, have not conducted business with, or have received any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I pay close to a XXXX dollars a month that goes into our home escrow. In XXXX, we had an escrow shortage of {$6600.00} and our mortgage rate increased. 
This year our escrow is currently short again approx $ XXXX. I calculated our PMI, home insurance and property taxes and we are supposed to have an overage of approx $ XXXX. 

I reached out to Mr Cooper and got my transaction history and see a ton of discrepancies and repeat charges for PMI and this lender paid expense Adjustment of $ XXXX on a yearly. 

Also see there was a lender paid expense Adjustment of $ XXXX XX/XX/XXXX of XXXX then on XX/XX/XXXX and escrow overage disbursement of {$500.00} that we never received. 

Theres a few discrepancies with the acct especially processing PMI disbursement twice for example on XX/XX/XXXX there was XXXX payment of {$200.00} to Mr Cooper from my escrow. 

Will include payment/transaction history with complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
As of XX/XX/2025 I have been charged at least 20 overdraft fees in the last 60 days. I have turned off the overdraft protection in the mobile apps months ago yet the bank is still allowing and processing payments when there is no money available in my account. I was told to step into a branch location where I was spoken to rudely, abrasively and chastised by a branch manager who only accused me of false narratives and not listen to my issue. My overdrafts fees have not been caused by using the account when money is not available. I have paid almost {$600.00} in overdrafts fees and the bank refuses to pay any back. I have tried to escalate the issue by phone but I am still waiting to receive a call bank from a supervisor. It has been at least 10 days.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: LA

Complaint narrative:
This is my formal rebuttal to the companys response. Their explanation fails to meet the requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
XXXX. Improper Validation : The company only provided internal records and statements from XXXX XXXX. Under 15 U.S.C. 1692g ( b ), proper validation requires proof of how the alleged balance was calculated and legal documentation showing I am obligated to pay them. These items were not provided. 
XXXX. No Proof of Authority or Assignment : They admitted they do not buy debt and are merely a servicing agent. However, they have not shown written authorization from XXXX XXXX permitting them to collect or report my information. Without this, they have no standing to handle or disclose my personal data. 
XXXX. Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested the method of verification and the name/contact of the individual who verified the account. Simply naming XXXX XXXX is not a valid disclosure of how verification was actually performed. 
XXXX. Unauthorized Use of Personal Information : Transferring or sharing my private data without legal proof of assignment or consent may constitute unauthorized use under both the FDCPA and FCRA. 
XXXX. Ongoing Violations : If the company continues to report or collect on this account without full legal validation, that would violate 1692g ( b ) and 1681s-2 ( b ). 

Requested Resolution : Provide written authorization or servicing agreement from XXXX XXXX  ; Provide full itemization and calculation of the alleged balance ; Provide the exact method of verification and verifiers contact information ; Cease all collection/reporting activity until proper validation is provided ; Remove any inaccurate information from all credit bureaus. 

Until these are produced, I continue to dispute this debt in its entirety. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Against : Wells Fargo Bank , N.A . 
Case References : Wells Fargo Case # XXXX and # XXXX Summary of Complaint : On XX/XX/year>, I was mistreated at the Wells Fargo XXXX XXXX XXXX. During a transaction, the branch manager was aggressive and dismissive, and I was told I was banned from returning to the branch. 

Wells Fargo later admitted in XXXX separate letters that : XXXX. The branch managers restriction was inappropriate and I am not prohibited from using the branch. 


XXXX. I was not given information I was entitled to at the time of my visit. 


XXXX. My concerns required review by management teams. 



Despite these admissions, Wells Fargo closed both cases with no meaningful resolution, beyond a token {$50.00} credit. 

Concerns : Improper denial of access to banking services without cause. 

Mistreatment by branch management. 

Failure to provide account information at the time of the incident. 

Inadequate resolution that does not address the seriousness of the harm caused.

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 2025-10-10 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: DISCOVER BANK
State: MI

Complaint narrative:
I am disputing a Discover Card account that continues to appear on my TransUnion credit report with Chapter XXXX bankruptcy remarks even though it was closed and discharged. 

The account is reported as Chapter XXXX bankruptcy / dispute resolved reported by grantor, but no documentation has been provided to prove permissible purpose or legal verification to continue reporting this account after discharge. 

I have previously disputed this with TransUnion, but neither TransUnion nor Discover has provided written proof under FCRA 611 ( a ) ( XXXX ) showing how or from whom the information was verified. 

Because the account was discharged in bankruptcy, Discover Bank no longer has authority to furnish updates or maintain the account on my report. Continuing to do so violates FCRA 604 ( a ) ( no permissible purpose ) and 607 ( b ) ( accuracy obligations ). 

My XXXX and XXXX files are frozen, so TransUnion can not verify this through third-party databases. 

I request that the CFPB investigate and require both TransUnion and Discover Bank to either : XXXX. Provide proof of permissible purpose and original verification documentation ; or XXXX. Delete this account and all related bankruptcy remarks due to unverifiable post-discharge reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
Comply with the mandated timeframe in 15 U.S. Code 1681g to remove disputed entries.

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 2025-10-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Paypal charged me a {$15.00} " dispute fee '' for a fraudulent deposit that someone made into my account and then disputed using my name. I had nothing to do with this transaction. I called Paypal and they would not reverse the fee. I should not be charged for a scam that someone else attempted on my account using my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing this to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate thay Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation