vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I booked a XXXX XXXX cruise through my Bank of America credit card XXXX XXXX XXXX ). On XX/XX/year> ( Day XXXX of the cruise ), I was wrongfully disembarked in XXXX XXXX due to a misinterpreted dry-erase board drawing ( XXXX circles ), which was neither malicious nor harmful. I was not warned, cited, or given an opportunity to respond. The cruise line removed me without due process, documentation, or a refund. 

I was stranded in a foreign country, forced to pay for emergency lodging and airfare. I submitted a formal complaint to XXXX Cruises on XX/XX/XXXX ( certified mail, delivered XX/XX/XXXX ), with no response. 

I filed a credit card dispute with BOA. The bank denied it, claiming the cruise line said " services were rendered. '' This is incorrect. I was forcibly removed and denied the service I paid for. BOA ignored my documentation, including certified mail receipts, cruise itinerary, emails, and a timeline. 

I appealed. BOA denied again, repeating that the merchant was willing and able to provide service, even though the cruise line ejected me without hearing or remedy. 

I believe BOA failed to properly review the dispute and unfairly sided with the merchant, despite clear evidence of service denial, emotional distress, and financial harm. 

I am requesting a refund of my cruise fare and am submitting this complaint because Bank of America failed to protect me as a consumer and dispute resolution failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I am writing to formally dispute and request reinvestigation of a fraudulent account reported by XXXX XXXX XXXX XXXX on XXXX and fraudulent inquiry is : XXXX XXXX on XXXX. 
The initial removal was based on a valid FTC Identity Theft Report submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 623 ( a ) ( 6 ), once a data furnisher is informed that an account resulted from identity theft, they are legally barred from reporting that account again unless they certify its accuracy and possess supporting documentation, such as a signed agreement or application. I did not authorize or open this account.

If the furnisher has provided any documentation to support the reinsertion, I hereby request that the credit reporting agency furnish me with a complete copy of that evidence. If no such documentation exists, this reinsertion constitutes a violation of federal law. Therefore, I demand the immediate and permanent deletion of this account from my credit report.

This letter also serves as a renewed dispute under the FCRA. I request that all appropriate actions be taken to ensure full compliance with federal law and that I receive written confirmation once the account has been 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received an email from Chase bank stating Congratulations we approved you new chase business account. I dont have an account with Chase XXXX never applied to open an account with Chase XXXX nor would do business with chase. I called them to report fraud and they want personal details that I dont believe should be collected for fraudulent claims ( i.e. employment information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sold my XXXX XXXX  to a guy and he gave me a check I ask for driver insurance and I even write down his license plate number and I deposit the check the next day I called they told me my account is on restriction so I waited and I called again I talk to the customer service manager she said the check has been cash and she tried to remove the restriction but she couldnt she said the restriction is put by different departments I asked them you can put the check on hold as long as you want I just need to have access to my funds but they didnt let me so yesterday I received an email from citi bank saying your check has been accepted when I called the person who I was talking to said no that email is just stating that you deposited the check I got very upset and I told them I will contact cfpb to step in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report : Creditor : CITICARDS CBNA Account Number : XXXX I am unaware of this alleged debt and have not received any prior notice or opportunity to dispute it, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If you claim to have notified me, I request you provide the following : A copy of the debt validation notice sent to me via certified mail, Proof of delivery including receipt bearing my signature. 

If you are unable to provide this documentation, I demand that you immediately delete this account from my credit report. 

Please consider this a formal request for debt validation and take notice that failure to respond adequately or to remove this unverified account may result in legal action to enforce my rights under federal and state consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Im filing a complaint about how Nelnet handled the reporting of missed student loan payments on my federal Direct Subsidized Loan.

I mistakenly believed my account was on autopay and was unaware of missed payments until I noticed a drastic drop in my credit score, from the high XXXX to approximately XXXX. Upon checking, I saw that Nelnet had sent email alerts. I fully acknowledge those emails were sent, but I did not notice them in time. Unfortunately, I received no texts or mailed letters, and no phone calls from Nelnet. When I received phone calls they came through withScam Likely warning, which discouraged me from answering. This made it easy to miss what was happening. 

As soon as I realized the mistake, I paid the overdue balance in full and brought my account current. I then reached out to Nelnet to request a goodwill adjustment, but they refused on the basis that I was beyond their 90-day internal window, with no flexibility, despite the circumstances and my previous payment record. 

Ive never missed a payment on my credit cards, many of which have minimums XXXX times higher than this student loans payment. That shows a long-standing pattern of financial responsibility, this was an honest oversight, not a sign of risk or neglect. 

Im not disputing the late payment occurred, only asking that the CFPB investigate whether Nelnets handling was fair, given the communication issues, my good history, and the disproportionate damage this situation caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account XXXX : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : 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 2025-06-02 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: NC

Complaint narrative:
inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account XXXX : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SN SERVICING CORPORATION
State: CO

Complaint narrative:
Issue Summary My mortgage servicer, SN Servicing Corporation, has failed to provide a reasonable path to reinstatement despite my good-faith efforts. I submitted a hardship explanation, offered a substantial partial payment of {$6000.00}, and requested a structured repayment plan or loan modification. 

Instead of working with me, they demanded an unrealistic {$9000.00} payment by XX/XX/XXXX with no flexibility. When I offered what I could afford, they flatly denied my request. I am now being pushed toward foreclosure, despite being actively engaged, responsive, and clearly demonstrating intent to resolve the issue. 

Detailed Explanation I have experienced legitimate financial hardship and have communicated openly with SN Servicing Corporation throughout the process. In XX/XX/year>, they offered a repayment plan requiring {$9000.00} upfront. I did not have access to that amount but offered {$6000.00} insteada significant sum under my circumstances. 

That offer was dismissed without consideration, and the representative assigned to my case ( XXXX XXXX has shown little professionalism, repeatedly sending cold, templated responses that dont even include my name. Ive asked multiple times for a more flexible option, and have stated that I expect a financial resolution within 30 daysbut they continue to move toward foreclosure rather than pausing or working with me. 

I am not trying to avoid responsibility. I am trying to save my home. This servicer is not acting in good faith and is ignoring reasonable homeowner protections and servicing best practices. 
What Resolution Am I Seeking? 
- A XXXX hold on foreclosure activity and reporting. 
- Immediate reconsideration of my {$6000.00} partial payment toward a revised repayment plan. 
- A formal review for loan modification or structured reinstatement based on updated financials. 
- Assignment to a new representative capable of professional and empathetic communication. 
Attachments ( if applicable ) : - Hardship letter - Email correspondence with servicer - Financial worksheet ( in progress )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a credit dispute for XXXX, as they had shipped a large package to my address and it got stolen. The package was supposed to be sent with a signature, as per their shipping regulations, but was not. Wells fargo went to newegg, got proof of delivery, but didn't even mention their shipping policy or lack of signature, and then denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: TX

Complaint narrative:
This school was flagged for questionable financial aid practices and CLOSED because of it. I disputed with Navient - almost a year later I received and email from MOHELA. I took the same steps with them that I took with XXXX and nothing. I get emails every XXXX XXXX or so telling me how much I owe. When I qualify for full forgiveness. For XXXX, the school closing and XXXX both of these servicers have civil action lawsuits against them for predatory and inaccurate lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I got a notification this morning on XX/XX/year> that my residential payment failed from my XXXX XXXX XXXX. However my authorization to make a residential payment was increased XXXX days ago. As a result my residential payment was sent back. 

This is a mistake and I can not afford to let it happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has allowed XXXX XXXX, XXXX to re-age an account on my credit report. 
They have also allowed this furnisher to operate under the guise of " XXXX XXXX, XXXX '' with " XXXX '' as the original creditor on XXXX tradeline. The original tradeline lists " XXXX XXXX '' and identifying " Accelerated Inventory Management '' as purchaser. 
XXXX XXXX XXXX took me to court over the same tradeline XXXX XXXX, XXXX is reporting monthly. It originates from the XXXX XXXX XXXX tradeline except they are allowed to report everything falsely and violate my rights every month. This debt is legally uncollectible, and reported through some firm who is not the original owner or current owner. If Accelerated Inventory Management is being allowed to do business under the name XXXX XXXX, XXXX, Experian has failed to document this to me as a consumer. 

I previously disputed the tradeline furnished by XXXX XXXX, XXXX, which Experian is reporting with inaccurate and misleading data. The debt is time-barred under Texas law and a court dismissal confirming it, Experian continues XXXX report it with an opened date of XX/XX/XXXX which is blatantly false, monthly collection activity into XXXX, and no mention of the legally unenforceable status. This is a violation of FCRA 605 ( c ) ( 1 ), 607 ( b ), and 623 ( a ). Experian failed to reinvestigate properly and continues to furnish a misleading and re-aged tradeline, harming my credit profile. I request full deletion of the tradeline for failure to follow proper reinvestigation and reporting procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
XXXX XXXX recently reported transaction history on my credit report. According to 15 USC S 1681a ( 2 ) EXCLUSIONS .. THE CREDITOR CAN NOT REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN I, THE CONSUMER AND THE PERSON MAKING THE REPORT ( CREDITOR ). This means XXXX XXXX is violating the Privacy Act of 1974 by reporting late payments on credit report without my knowledge or consent which is also a violation of USC S 1681. They purposely did this to hinder me and my credit because the account is scheduled to be dropped off my credit in a couple months. XXXX XXXX is in major violation of several different codes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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