vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing a collection account reported by Resurgent Capital Services/ LVNV Funding LLC. I sent them a second formal Debt Validation Request on XX/XX/2025, regarding the alleged account ending in XXXX. 

They never provided full legal proof, full documentation, full verification of this debt, which is required under FDCPA 1692g. Despite failing to validate the debt, they continue reporting it to the credit bureaus. 

This violates : FDCPA 15 USC 1692g ( b ) ( continued collection without validation ) FCRA 15 USC 1681s-2 ( furnishing inaccurate/unverified information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account is not mine Due to Identity theft please provide me with Proof that I owe this debt or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ENTERPRISE FINANCIAL SERVICES CORP
State: AZ

Complaint narrative:
On XXXX XXXX we have items debit our account making it XXXX and change. Exact amounts available. We have had issues with deposits to our account previously and had been told in XXXX that we can deposit cash into the atm after hours or if bank is closed and it goes directly into the account. We deposited {$80.00} in cash through the atm at approximately XXXX with the understanding that the cash would bring the account current. The cash deposit has been held past closing on XX/XX/year> resulting in the bank charging us {$30.00} for an overdraft fee. The bank has held our cash deposit for over 24 hours, and continues to be pending, with the intention of charging the overdraft fee. 

Leading to the above issue the bank continuously held instant deposits electronically from my other accounts, which led to the discussion where we were told to deposit cash through the atm after hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted payment in the amount of {$58.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ). I received payment confirmation that the payment was submitted successfully in the American Express app. I have the screenshot as documentation. I attempted to receive a fee waiver from American Express since this was a system glitch for Amex, but Amex denied my claim. I had received notification on XX/XX/XXXX that I was charged a late fee in the amount of {$29.00}. I examined and noticed that the payment had not been originated yet and resubmitted the payment promptly. Im seeking to have the late fee and subsequent interest charges that have yet to be billed refunded. This is a violation of Amexs schedule of fees since the late fee was charged due to an Amex system error. Please refund the fee. I have always enjoyed doing business with Amex and I hope to get this resolved. If this is not resolved, I will no longer do business with Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is the only address that should show on my credit report. 

Please update my name to : XXXX XXXX XXXX. This is the only name that should show on my credit report. 

My only and correct Date of Birth : XX/XX/ My SS # : XXXX My only Telephone : ( XXXX ) XXXX. I do not wish to have any other telephone numbers on my credit report.

Please remove all the other addresses off my credit report as they are not deliverable to me by the U.S. post office. They are not reportable as per the FCRA since they are inaccurate. Therefore, it must be removed immediately.

I demand my social security number and date of birth removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected consumer and i have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
This issue is hindering me from purchasing a home, this been settled since XX/XX/year> I have reached out to them and they have sent the settled information but have not removed it from my credit report. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
b'I am filing this complaint because multiple companies performed hard inquiries on my credit report without my knowledge, consent, or any permissible purpose, which violates the Fair Credit Reporting Act (FCRA) 604(a) and 1681b(f).\n\nAccording to the FCRA:\n\nA company must have my written authorization OR a valid permissible purpose (such as firm offer, application initiated by me, or existing credit relationship).\n\nPulling a credit report without such authorization is a violation of federal law.\n\nI did not authorize these companies to access my credit report, nor did I submit applications with them on the dates listed.\n\n1. Inquiries I Did NOT Authorize\n\nOn my credit reports XXXX XXXX XXXX XXXX the following companies pulled hard inquiries without my consent:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Legal Basis for My Complaint (FCRA)\n\nUnder FCRA 604(a) and 1681b(f):\n\nA company must have a permissible purpose to access a consumers credit report.\n\nIf no such authorization exists, the inquiry is unlawful.\n\nThe consumer has the right to dispute and request deletion of unauthorized inquiries.\n\nI did not provide any authorization or initiate any application with the above companies on the reported dates.\n\nThese inquiries are damaging my credit score and are being reported inaccurately.\n\n3. Request for CFPB Action\n\nI am requesting the CFPB to:\n\nInvestigate each furnisher for violating FCRA 604 and 1681b(f).\n\nRequire each company to produce proof of permissible purpose and written authorization with my signature.\n\nIf no proof exists, require each inquiry to be removed from my credit reports with all bureaus.\n\nEnsure the furnishers follow the proper Furnisher Rule / FCRA compliance procedures.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing this complaint against Barclays Bank Delaware for blatant violations of the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate and unverifiable tradeline BARCLAYS BANK DELAWA XXXX. On XX/XX/year>, I submitted a formal dispute with supporting documentation proving the reporting was incorrect or could not be verified. Barclays ignored its obligations under 15 U.S.C. 1681s-2 ( b ), conducted no reasonable investigation, failed to review the documents I provided, and simply verified the account with no evidence, detail, or method of verification. This reckless rubber-stamping constitutes willful noncompliance with federal law and has caused ongoing damage to my creditworthiness.

Despite a second and final notice dated XX/XX/year>, Barclays has refused to delete the inaccurate tradeline, has not produced any documentation supporting its alleged verification, and continues to furnish information it can not substantiate. They have ignored demands for the method of verification, failed to provide any chain-of-custody records, and have not demonstrated that any legitimate investigation ever occurred. Their refusal to comply with the FCRA, provide transparency, or correct their unlawful reporting practices is intentional, negligent, and harmful.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: NY

Complaint narrative:
I am submitting this complaint because I am experiencing severe financial harm after my XXXX  Tesla XXXX XXXX was involved in an accident and declared a total loss. The combination of Teslas extreme price reductions, XXXX  valuation process, and the lenders policies has left me with a large loan deficiency and no meaningful consumer protection or support. 
My Tesla XXXX XXXX was well-maintained and in good condition at the time of the accident. The initial repair estimate was {$15000.00}, which then increased to approximately {$19000.00}. At that point, XXXX initiated a total-loss review. During this review, my family and I waited for over XXXX weeks with no clear communication, no consistent updates, and no guidance about my options. 
The core financial harm comes from the dramatic reduction in the vehicles Actual Cash Value ( ACV ). Tesla has repeatedly lowered the purchase price of new vehicles not normal market depreciation, but proactive price cuts by the manufacturer. These price cuts caused my XXXX  XXXX XXXX to lose value far faster than a normal depreciation curve, resulting in an ACV that is thousands of dollars below my loan balance. 
Because of Tesla 's repeated price drops, my insurance payout ( ACV ) will not come close to covering the auto loan. That leaves me with : A large deficiency balance that I can not afford, No replacement vehicle, Ongoing loan payments for a car that is now a total loss, and A significant and unexpected financial burden through no fault of my own. 
I am an active-duty service member, and this situation has created serious financial hardship for my household. I financed the vehicle responsibly, maintained it properly, and made every payment on time. However, Teslas pricing strategy has uniquely harmed consumers who purchased before these price cuts. Unlike typical depreciation, Teslas actions have artificially depressed values, causing total-loss XXXX payouts to fall drastically short of loan balances. 
There appears to be no concession, support, or hardship relief from Tesla, despite the fact that customers like me are directly harmed by their pricing shifts. 
There is also no protection from the lender ( XXXX XXXX XXXX to assist borrowers caught in this gap, even when the depreciation was caused by manufacturer actions rather than consumer misuse. 
Finally, XXXX  valuation method does not account for these manufacturer-driven market distortions, leaving me financially exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AP

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enrollment Period : XXXX Loan Types : XXXX XXXX Subsidized, Direct Subsidized Loans, Direct Unsubsidized Loans Basis for Complaint I enrolled at XXXXXXXX XXXX during XXXX based on representations that were false and misleading. XXXX advertised its programs as fully accredited, widely respected, and leading to strong employment opportunities. Recruiters assured me that : Credits would transfer easily to other institutions. 
The program met state licensing requirements. 
Graduates had high job placement rates and competitive salaries. 


Reality After completing my program, I discovered : Employers did not recognize XXXX credentials as competitive. 
Credits were not transferable, despite assurances. 
The program did not meet state licensing requirements. 
Job placement and salary promises were grossly overstated. 

These misrepresentations directly influenced my decision to enroll and borrow federal student loans. I later had to take on additional loans to pursue a different field because XXXX promises were false. 

Harm Caused Because of these misrepresentations, I incurred significant debt for a degree that did not provide promised career opportunities or transferability. This has caused : Severe financial hardship Ongoing stress and XXXX XXXX health challenges Limited ability to pursue further education or professional advancement Recently, I received a Notice of Default from XXXX at an old address ( not the one on file with FSA since XXXX ). The letter referenced loans via XXXX from XXXX XXXX  and threatened wage garnishment. Additionally, my studentaid.gov account shows loans serviced by XXXX and XXXX in default status, despite my updated address and IDR application submitted on XX/XX/XXXX. 

Missing Documentation Due to email provider changes, I no longer have original documentation from XXXX. However, XXXX  deceptive practices during this period are well-documented in federal enforcement actions and litigation. I have requested transcripts and enrollment verification from XXXX XXXX as of XX/XX/XXXX. 

XXXX v. XXXX XXXX XXXX XXXXXXXX XXXX was among institutions implicated in borrower defense litigation. Under the XXXXXXXX XXXX XXXX XXXX the Department of Education must resolve Borrower Defense applications or grant full relief when deadlines are missed. Borrowers who filed between XX/XX/XXXX and XXXX XXXX were promised decisions by XX/XX/XXXX. If the Department fails to meet this deadline, I may be entitled to automatic discharge and refunds under settlement terms.

Requested Relief I respectfully request : Full discharge of my federal student loans Removal of all negative credit reporting Refund of any payments made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
There is a late payment being reported on my credit card account that I believe is inaccurate or can not be properly verified.

During the month in question, I did not receive a proper statement or any notice regarding the payment due date.

There may have been a system, posting, or reporting error that caused the payment to be marked late.

I requested verification documentation from the company, including proof of statement delivery, payment posting records, and evidence that the late payment was accurately reported. The company did not provide the requested documentation.

Under the Fair Credit Reporting Act ( FCRA ), only accurate and fully verifiable information may remain on a consumer credit report.

Therefore, I am requesting a formal reinvestigation.

If the furnisher can not provide proper documentation validating this late payment, it must be deleted from my credit reports.

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 2025-12-03 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:
There is a late payment being reported on my credit card account that I believe is inaccurate or can not be properly verified. During the month in question, I did not receive a proper statement or any notice regarding the payment due date. There may have been a system, posting, or reporting error that caused the payment to be marked late. I requested verification documentation from the company, including proof of statement delivery, payment posting records, and evidence that the late payment was accurately reported. The company did not provide the requested documentation. Under the Fair Credit Reporting Act ( FCRA ), only accurate and fully verifiable information may remain on a consumer credit report. Therefore, I am requesting a formal reinvestigation. If the furnisher can not provide proper documentation validating this late payment, it must be deleted from my credit reports.

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 2025-12-03 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:
There is a late payment being reported on my credit card account that I believe is inaccurate or can not be properly verified.

During the month in question, I did not receive a proper statement or any notice regarding the payment due date.

There may have been a system, posting, or reporting error that caused the payment to be marked late.

I requested verification documentation from the company, including proof of statement delivery, payment posting records, and evidence that the late payment was accurately reported. The company did not provide the requested documentation.

Under the Fair Credit Reporting Act ( FCRA ), only accurate and fully verifiable information may remain on a consumer credit report.

Therefore, I am requesting a formal reinvestigation.

If the furnisher can not provide proper documentation validating this late payment, it must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Currently equifax is reporting a address that doesnt belong to that I was never connected to..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX XXXX XXXX XXXX XXXXXXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
I opened a Coinbase account. I purchased $ XXXX of crypto. A few days later when the price was good again, I was not allowed to buy more. I was told ; " Unfortunately, Coinbase has determined transactions with bank accounts are permanently disabled for your account. For security reasons, we can not disclose the reason. But don't worry, to continue making transactions, you can add a different payment method in account settings. '' I contacted support and received an email stating that their review has been completed ( support case # XXXX ) and the restrictions will remain and they are firm on not explaining why. I have missed earning opportunities due to their bait and switch method of business. 

I will most likely pull my currency out and into a personally controlled wallet.

Company response to consumer: Closed with explanation