vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of XXXX  to me. I require you to take action immediately to prevent further harm  and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted a person on XXXX that advertise selling XXXX. I was told the amount was {$180.00} for a set of XXXX and {$40.00} for shipping that I paid through Zelle. I hadnt received anything or a tracking number over XXXX weeks later so I texted the number that I had for the seller to ask if it was shipped and I didnt get a response in XXXX hours so I called the number ( XXXX ) XXXX, and its a XXXX XXXX that was unavailable. The seller also blocked me on XXXX from contacting. The email associated with the Zelle is XXXX. And the XXXX account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am writing to file a formal complaint against both XXXX  ( loan servicer ) and the XXXX Department of Education regarding their failure to cancel my outstanding XXXX  student loan debt, despite the XXXX Administrations XXXX  decision to XXXX full loan forgiveness for former students of the XXXX XXXX. 

I am an alumnus of the XXXX XXXX and meet the criteria outlined in the Department of Education 's XXXX  discharge announcement. This decision was based on findings that the institution misled students, qualifying us for a full discharge under borrower defense to repayment provisions. To date, however, my account remains active and in repayment status with XXXX, and I have not received any confirmation or documentation indicating that my loan has been canceled. 

I have made several attempts to contact both XXXX  and the Department of Education to resolve this matter, but I have received limited or no clear response or action. This continued inaction places unnecessary XXXX XXXX XXXX XXXX  and directly contradicts the relief measures promised by the federal government. 

I respectfully request the CFPBs assistance in investigating this matter and compelling both parties to honor the XXXX  discharge directive. I am requesting a full and immediate cancellation of the remaining student loan balance associated with my time at the XXXX XXXX, and removal of any associated XXXX XXXX  XXXX. 

Thank you for your time and advocacy on behalf of student borrowers. Please feel free to contact me if any additional information is required to assist with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
My credit report contained false information, so I filed complaints with TransUnion, Equifax, and Experian. After listing the accounts, I informed them of the infractions they were committing against my consumer report. Over XXXX  days have passed and they still haven't replied. Copies of every letter that was sent are shown here. 

By neglecting to label this disputed account as disputed, this company has violated FCRA XXXX ( a ) b ). 


As the date of the last activity on this account is reporting, XXXX ( c ) is running if the period has also been broken. The last day a payment was made should be shown. 

The FTC has determined that this company has violated FDCPA XXXX by consistently failing to authenticate this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
Capital one is reporting a XXXXcollection  account as a XXXX XXXX XXXX XXXX on my credit report. Once an account is recorded as a XXXX XXXX XXXX, it should not continue to report XXXX  as an XXXX XXXX or collection. I am requesting this account be investigated, corrected, or removed as it is being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I wrote to you in XXXX. I told you I do not owe Carrington Mortgage Services , LLC a foreign LLC anything. My loan was paid-in-full and a Satisfaction of Mortgage was recorded, 22 days into a 30 year Mortgage by the XXXX XXXX Clerk of Court . I took out this loan by the builder XXXX XXXX XX/XX/XXXX. I have all documentation and I can provide. I see that you have since believed me because you brought suit against Carrington Mortgage Services , LLC . My homestead in Florida is protected under Florida Statue 222.10-222.29. I have income from XXXX with the VA that is exempt, only for homestead. This is my homestead. I have not been home in 7 years. I have an unlawful detainer suit for the person who is suppose to have purchased my home at a foreclosure sale. One way or the other. I know I will go back home because I am right and Carrington is wrong. I don't want the money you are giving away on your website for people who have been harmed by Carrington. I just want them to leave us be and stop and give me my home back. Florida Statue 673.3111 States ( 2 ) the claim is XXXX ( a ) 1.including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place and ( b ) tendered repayment .. This paragraph does not apply if the claimant is an organization that sent a statement complying with subparagraph ( a ) 1. ( 4 ) A claim is discharged if the person against whom the claim is asserted proves that within a reasonable time before collection of the instrument was initiated, the claimant or an agent of the claimant having direct responsibility with respect to the disputed obligation, knew that the instrument was tendered in full satisfaction of the claim. You have it in my record from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to report multiple unauthorized credit inquiries on my report, which have XXXX  impacted my XXXX XXXX. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. 
This ongoing inaction is unacceptable and raises serious concerns about potential identity theft. The unresolved entries are causing continued 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I recently got off a call from Capital One with their representative XXXX who refused to tell me what state she was operating out of. Additionally, I was told to call capital one in order to open a personal checking account to verify identity. Upon doing this and spending 30 minutes on the phone with XXXX she told me I was able to get credit cards and their other banking products but I was unable to open a deposit account. As I inquired more into this the only thing XXXX was able to tell me was that there was a {$50000.00} wire into my money market account in XXXX and upon this my account was closed. Meanwhile, Capital One never closed my account I never had a closed account from Capital One and I inquiried if there was any fraud or negative balance pertaining to this wire and XXXX told me no. There wasn't a negative balance or fraud regarding this transaction last time I checked it is not a crime to recieve money??? Why am I being discriminated aganist from opening a checking account especially when there is no record of foul play on my end. Additionally, there is no extra details into this and the representative said that she would open an investigation into this on my end but left no additional details and after that she just wanted to get off the phone and started acting rude. I could understand if I was involved in fraudulent activity or caused the bank a financial loss but out of the 5 years of the savings account being open there was no issues at all so why am I being discriminated aganist??? This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint due to numerous inaccuracies, discrepancies, and misreporting across my credit reports from Equifax and Experian, both dated XX/XX/XXXX. 

Here is a summary of the issues : XXXX XXXX XXXX ( formerly XXXX ) is reporting two charge-off accounts inconsistently across bureaus : One bureau reports the debts as " charged off and written off '', the other shows them as past due balances with active collections. 

There is also a discrepancy in lender address between Equifax and Experian. 

XXXX XXXX XXXX XXXX shows inconsistent payment history and delinquency reporting, potentially lowering my score unfairly. 

XXXX XXXXXXXX XXXX XXXX  shows different payment amounts and timing on both reports, including a {$100.00} payment reported only by Experian in XX/XX/XXXX. 

XXXX XXXX XXXX appears only on Equifax, despite being a very old account that was charged off in XXXX and is still being updated as active. 

XXXX XXXX XXXX ( XXXX ) appears only on Experian. I dispute the legitimacy of this debt, and no corroborating record exists on Equifax. 

Student Loans with the Department of Education are only reported on Experian, not on Equifax, despite being in good standing and actively paid. This underreports my positive payment history. 

Personal data inconsistencies : Multiple aliases and addresses appear across both bureaus, including addresses Ive never lived at. 

This could indicate potential file mixing or identity confusion. 

I request that the CFPB investigate these discrepancies and require the credit bureaus and furnishers to : Provide accurate, verified, and uniform reporting ; Remove unverifiable or outdated derogatory data ; Ensure compliance with the FCRA and Metro 2 standards.

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 2025-07-02 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: DC

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has outright refused to acknowledge, address, or engage with the specific claims I submitted in my formal billing dispute regarding a charge for veterinary services that were not properly rendered. I am submitting this complaint to formally reiterate that I am continuing to dispute a charge of {$1500.00} from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, billed to my American Express account ending in XXXX. 

This charge was previously disputed in XX/XX/XXXX, and again through a formal chargeback request submitted on XX/XX/XXXX, with updated documentation. Amex gave me until XX/XX/XXXX to upload supporting files, which I did on XX/XX/XXXX. However, on XX/XX/XXXX, American Express denied my dispute without meaningfully addressing the newly submitted facts and documents. On XX/XX/XXXX, they responded again ; refusing to treat this as a proper billing dispute and continuing to misclassify it as a tort issue, which it is not. 

I am not seeking personal injury compensation as they stated ; I am seeking a chargeback for services that were either not rendered as agreed or rendered at all. My updated XX/XX/XXXX submission includes : Documentation showing my pet was misdiagnosed Referrals made under false pretenses Improper or inflated billing A lack of proper care or stabilization Amex failed to address any of this in their denials. 

Why I Am Submitting This Complaint Now : As of XX/XX/XXXX, I made a payment of {$5.00} ... the only undisputed amount on my current statement. I did this in good faith, to avoid potential credit harm or late fees. I believe that if I owe something, I will pay it. 

However, I have refused to pay the {$50.00} minimum because that amount includes the disputed XXXX charge and related interest, and I will not continue making payments on a charge that is still being contested and is the source of deep emotional, mental, and financial stress. 

I also wish to clarify that I have already made partial payments toward this disputed charge under duress, out of fear of having my credit harmed. That payment was made under protest, and should not be interpreted as acceptance of the charges legitimacy.

Additional Details : I have filed complaints with : The Office of the Comptroller of the Currency ( OCC ) The New York Attorney General ( NYAG ) Those complaints are active, and I am requesting that CFPB : Reopen this billing dispute and treat it as a proper chargeback under the Fair Credit Billing Act Ensure Amex does not report me late or add further interest while this dispute remains unresolved Ensure my prior and current payments are not used to undermine my right to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: FL

Complaint narrative:
I submitted an order for a Tesla XXXX XXXX after being quoted a monthly lease payment of {$500.00} and a down payment of {$1000.00}. Based on this information, I paid a {$250.00} non-refundable order fee. However, a few days later, Tesla sent me approved terms showing a much higher monthly payment of {$630.00}, with no clear explanation for the increase.

I contacted Tesla to dispute the change and requested to cancel the order, but they refused to refund the {$250.00} despite the fact that I was misled into paying it based on inaccurate and significantly different cost estimates.

I believe this practice is deceptive and unfair. Tesla changed key financial terms after collecting my money and refused to return the fee when I declined the new erms. I am re-esting an investigation and refund of my {$250.00} order fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
Subject : LCI Consumer Center Reporting Inaccurate Bankruptcy Identity Theft Victim FCRA Violations What happened : I am a victim of identity theft and discovered that a bankruptcy is inaccurately reporting on my TransUnion credit report. This bankruptcy was not filed by me, and I have provided extensive documentation to support this, including : FTC Identity Theft Report : Report # XXXX Police Report : Case # XXXX Court Letter dated XX/XX/year> confirming that they do not furnish or verify bankruptcies to credit reporting agencies I have contacted LCI Consumer Center, the third-party agency responsible for public record data on TransUnions report, on multiple occasions : XX/XX/year> I submitted my government-issued ID, Social Security card, proof of residence, and detailed dispute of the bankruptcy. 

XX/XX/year> I followed up with another letter, again including relevant documentation. 

Despite this, LCI refused to properly reinvestigate and falsely claimed I did not provide valid identification. They also stated they dont handle tradeline disputes even though my dispute clearly referenced the bankruptcy listing, which falls under their purview.

I sent an inquiry to the bankruptcy court directly, and they confirmed that they do not report or verify bankruptcy records with credit bureaus or third-party vendors like LCI. This means LCI could not have properly verified this bankruptcy. 

Additionally, I have placed security freezes on XXXX, LCI, and XXXX. If LCI attempted verification through those sources, it would have failed and if they claimed otherwise, that would constitute a willful misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: AR

Complaint narrative:
The original creditor was XXXX XXXX XXXX XXXX. They had the loan from XXXX to XXXX. They are continually stating to me that it was closed on XX/XX/XXXX. They have sent me a letter to give to Nelnet who advised me today it is irrelevant. I had previously provided a letter from the department of education stating the same thing. Neither the original loan originator, XXXX XXXX XXXX XXXX or the department of education can understand why this is on my credit report with negative derogatory results XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. It was also further reported over 120 days late in XX/XX/XXXX but was showing current the 4 months prior on my credit report. Neither the 4 months prior or the XXXX, XXXX derogatory remarks showed on my credit report until XXXX of XXXX. Were the loans overdue by 120 plus days in XXXX, the prior 180 plus days would not show current. I am hearing from the department of education loan management department, the department of education debt resolution group, the department of education credit systems as well as the XXXX XXXX XXXX assistance program compliance supervisor that these all should have been reported to the national student loan database in XXXX as paid in full and all the credit agencies should have been contacted then according to XXXX a supervisor at the department of education m The originator, the XXXX XXXX XXXX XXXX has also stated as of XXXX they should have been paid in full and reported to the credit card companies. That was their error. However, they are unable to fix it at this time because it was given to a new loan originator even with no loan in a XXXX balance in XXXX of XXXX. Otherwise, the supervisor at the XXXX XXXX XXXX XXXX was going to delete off the national student loan database immediately these XXXX derogatory months XXXX through XX/XX/XXXX. She stated the information would be clearly available to Nelnet too. Nelnet is saying it is not. The department of education is saying this information should be available to Nelnet too. Nelnet are stating it is not. Again, both the originating lender and the department of education are all as confounded as I am that this is still on my credit report. The error was with XXXX XXXX XXXX XXXX and they are willing to fix it. However, they are not able to on the national student loan database because it wrongly went to Nelnet in XXXX. And again, the department of education and the XXXX XXXXXXXX XXXX loan department who are federal, or governmental agencies, that it should not be on my credit report. Numerous evidence and documentation has been provided to Nelnet which they willfully and purposely refuse to consider. The only thing Nelnet will offer is me to contact a credit repair company. That is not needed. My credit is perfect except for {$27000.00} of wrongfully reported student loans. That should have been taken off exactly 25 months ago.

Company response to consumer: Closed with explanation