vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This company continues to report to collection agencies incorrect info. I have written letters to this company midland none of the accounts they are reporting are mine. I have called the social security number they have on file is not mine, they do not have my correct dob, nor do they have correct name. All of which is against the law to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I called XXXX and went into the store and told the staff, I paid the cell phone bill in full on XX/XX/year>. They told me I owed {$170.00}. I went into collection on XXXX with XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX. Also, I went in the store in XXXX on XX/XX/year> and closed my account because I moved and was told my account was paid in full. I paid the bill. 

I also have a Aldous and Associates XXXX XXXX XXXX XXXX, UT. XXXX ACCT # XXXX Owe {$110.00} XXXX XXXX. The gym owe me 4 personal training days. they never gave me, so I told them I was closing my account and paid my monthly membership. XXXX XXXX called me many times and told me they apologize for my missing personal training I paid. The owner came in one time to give me my personal training day, the second time the worker was sick and could not train me. So I cancelled my membership and they agreed. I spoke with them multiple times what happened and they never said I owed any money. I don't want these errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Accounts do not belong to me. I never opened these accounts. Victim of identity theft and fraud. 

Account Name : CAP1XXXX Opened XXXX XX/XX/year>2024 Amount : {$890.00} Identified Fraud Account In XXXX of 2024. 

Account Name : CAPITAL ONE Opened : XX/XX/year>2024 Amount : {$1000.00} Identified Fraud Account In XXXX of 2024 These account never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Unauthorized charge merchant can not be identified What happened : Citibank denied a dispute for a {$2400.00} unauthorized charge on our XXXX XXXX XXXX card, claiming the transaction was chip-present. The card was never out of the cardholders possession, and the only legitimate use that day was a parking meter. 
Critically, Citibank has failed to provide verifiable merchant information. The merchant name listed on the statement does not correspond to an identifiable business, making it impossible to resolve the matter directly with the merchant. 
Despite reopening the dispute in writing and acknowledging review by email, Citibank denied the dispute again without explanation and has continued to assess interest on the disputed amount. 
Why this is a problem : Under the Fair Credit Billing Act, consumers are entitled to : Identification of the merchant Evidence of authorization Protection from interest and penalties during a valid dispute Citibank has denied the dispute while failing to meet these requirements.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s improper handling and denial of an unauthorized ACH debit from my business account. 
On or about XX/XX/year>, an ACH debit in the amount of {$29.00} was posted to my business account. I did not authorize this transaction. I promptly filed an ACH dispute with Wells Fargo once the unauthorized debit was identified. 


Wells Fargo denied my claim, stating that the debit was a XXXX  transaction allegedly initiated by a merchant identified as XXXX and advised me to contact the merchant directly. Wells Fargo further stated that reimbursement was not available because too much time had passed. 



After receiving the denial, I contacted the alleged merchant, XXXX XXXX XXXX XXXX XXXX Maryland ), using the contact information Wells Fargo provided. Representatives of XXXX confirmed the following : They did NOT initiate the debit They have NO record of me or my business I am not, and have never been, affiliated with or employed by them They are NOT the originator of the transaction Because the alleged merchant denies involvement, the debit is, by definition, unauthorized. 
Wells Fargo failed to conduct a proper investigation as required under Regulation E ( 12 CFR 1005 ) and NACHA Operating Rules. Specifically, Wells Fargo did not : Identify the true originator using ACH trace data Retrieve or review the ACH Entry Detail Record Verify the Originator ID Confirm that the debit was authorized Provide me with relevant documentation relied upon in the denial.

Additionally, my dispute and subsequent requests for correction appear to have been handled repeatedly by the same Wells Fargo representative, resulting in the same conclusion being reaffirmed without an independent or objective reinvestigation. This creates a circular process in which the original denial is effectively self-validated rather than properly reviewed.

I am requesting that Wells Fargo : Reopen and properly reinvestigate the unauthorized ACH debit Retrieve and review the ACH trace and Entry Detail Record Identify the actual originating entity Reverse the unauthorized debit consistent with NACHA return requirements ( including R10/R11, as applicable ) Provide written documentation supporting its determination Wells Fargos failure to correct an improperly investigated unauthorized transaction appears inconsistent with Regulation E, CFPB guidance on error resolution, NACHA Operating Rules, and FDIC expectations for ACH dispute handling.

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 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I submitted a complaint via CFPB on XX/XX/XXXX under Complaint ID XXXX. 

In response, I received a written letter from XXXX XXXX at Nelnet which stated the following : " We apologize for the frustration you have experienced regarding this issue. Our records indicate that on XX/XX/XXXX, ED informed us that you applied for borrower defense to repayment discharge.

At the direction of ED, we placed your account into an administrative forbearance while ED reviews your borrower defense claim. Please know that the Borrower Defense Forbearance is what is called a non-capping forbearance. Meaning, interest accrued while in the forbea
rance is not added to the principal balance when this forbearance ends.

Also, your account is in the SAVE forbearance which runs congruently to the borrower defense forbearance. '' But also included the following : " You won't have to make payments until the courts reach a final decision, and the SAVE forbearance ends, but your balance is growing again since interest started accruing on XX/XX/XXXX. When the SAVE forbearance does end, you'll be responsible for making monthly payments that include any accrued interest as well as your principal. If you're working toward loan forgiveness, are enrolled in the SAVE Plan, and want to start making qualifying payments, you must apply to switch to another eligible repayment plan. '' 1. As the SAVE plan is being phased out, which form of forbearance will my plans exist under?

2. Why would I be responsible for making payments when SAVE is phased out, if I never applied to SAVE in the first place? I opted for forbearance through my Borrower Defense application in XXXX and it sounds like that won't be honored moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Village Capital & Investment LLC
State: OK

Complaint narrative:
My mortgage loan servicing was transferred from XXXX XXXX XXXX, XXXX to Village Capital & Investment LLC effective XX/XX/XXXX. 

According to the official Notice of Servicing Transfer dated XX/XX/XXXX, issued by XXXX XXXX XXXX, my unpaid principal balance as of XX/XX/XXXX was {$180000.00} at an interest rate of 6.125 %. 

However, the first mortgage statement I received from the new servicer, Village Capital & Investment LLC, dated XX/XX/XXXX, lists my outstanding principal balance as {$180000.00}, which is {$3000.00} higher than the balance reported by the prior servicer only four days earlier.

There is no explanation, itemization, or documentation supporting this increase in principal. Interest accrual over four days can not account for this difference, and escrow balances are disclosed separately and do not affect principal. The transfer notice explicitly states that nothing about the loan would change other than servicing. 

I have contacted the new servicer regarding this discrepancy, but they are disputing the error without providing a lawful accounting or correction. 

I am requesting a full investigation, correction of the principal balance to the accurate amount of {$180000.00}, and written confirmation that my loan balance and records have been corrected. This appears to be a servicing transfer error and misstatement of principal balance in violation of federal servicing requirements under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I have a loan with Exeter finance and it was for XXXX. I have paid XXXX payments a total of XXXX $ and they say that I still owe them XXXX. They want to repossess my vehicle as I have fallen behind on payments. I feel they ripped me off and are running a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX notice to provide proof of debt and contractual obligation to XXXX, XXXX XXXX XXXX, advised debt was validated but I am not familar with the dates listed. Attempted to contact the creditor, but unable to obtain a live representative. Need contractual aggreement with signature and dates of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-12-23 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I received three debt collection notices from TRS Recovery services stating that I owed three separate amounts to XXXX. It included last four digits of an account I do not own. I called the number on the piece of paper and they wanted me to verify personal information and submit a form on a website with my personal identification. They could not tell me what the debt was for or any other names on the account. The notification that I received via mail indicated that the charges were in late XXXX and early 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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist is attempting to collect and report late payments based on a contract I did not sign. 
My signed contract shows first payment due XX/XX/XXXX, but Truist has a different contract showing XX/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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes. 
CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION XXXX. Incorrect Name Variation Currently Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX XXXX XXXX : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name. 
XXXX. Outdated Address Information Currently Listed : XXXX XXXX XXXX, OH XXXX Correct Current Address : XXXXXXXX XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 
FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Equifax : Conduct a reinvestigation of these disputed items within XXXX calendar days, as mandated by federal law. 

Correct and update my personal information to reflect accurate, verifiable, and current data. 
Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I completed the term of the loan. The loan had a balloon payment at the end for what was described as interest during a deferment period. This interest was never explained to me as being added, so when the term was completed, the company wanted a large lump sum at the end. 

Filed for bankruptcy a month later, the company collected the money from me to be put towards the cram down payment of the vehicle. 

Exeter took that money and then sold my loan for the full amount that was due ( according to them ) prior to the bankruptcy the amount. The loan is paid in full and has a XXXX XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I maintained a long-term relationship with Chase Bank , holding accounts for over a decade and managing two credit cards with the institution for approximately 10 years, which established a substantial credit history. However, the bank abruptly closed all my accounts and terminated my credit cards without prior notice or explanation, resulting in the loss of online banking access and a significant reduction of around XXXX points in my credit score. Due to these circumstances, I was unable to verify transactions or make payments, despite my previously impeccable credit history, and was denied the opportunity to resolve the issues or understand the bank 's rationale behind its decision. Consequently, the bank 's decision had a profound impact on me, as my credit score dropped considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I recently pulled my credit reports and found an inaccurate and unverified account being reported, and the inaccurate unverified account needs to be deleted and blocked from reporting on my credit report immediately. I am in the process of getting my first home for my family and starting a business. Please review all of my documents and delete and block the account listed : 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 non-monetary relief