vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Federal Student Aid inaction and unresolved PSLF forbearance under SAVE injunction I am submitting this complaint regarding the U.S. Department of Educations Office of Federal Student Aid ( FSA ) for failure to resolve multiple borrower complaints related to XXXX federal Direct Loans serviced by XXXX. 

Since XX/XX/year>, I have been unable to make XXXX payments due to a servicer-imposed administrative forbearance linked to the XXXX injunction. I did not request this forbearance, and it has now lasted more than XXXX months, costing me XXXX credit despite continued full-time qualifying employment. 

I have submitted XXXX CFPB complaints ( XXXX 2025 ) and multiple FSA Feedback cases ( XXXX, XXXX, XXXX ). None have been resolved. On XX/XX/year>, FSA confirmed that time in this forbearance does not count toward XXXX, providing no alternative repayment plan or remedy for lost credit. 

This demonstrates ongoing federal agency inaction and failure to provide borrower-specific resolution. I have repeatedly requested written clarification on XXXX eligibility, repayment plan options, and XXXX eligibility. No one has provided a clear response. 

Desired Resolution : Escalate this case to CFPBs federal oversight team for direct review of FSAs handling. 

Confirm that time in the XXXX injunction forbearance will be eligible for XXXX XXXX or credited retroactively. 

Require FSA to provide a borrower-specific, written resolution instead of generic web responses.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello Equifax, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!!

* * * Document Continues * * * Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Balance : {$280.00} Unauthorized Inquiries : Account Name : XXXX Date Opened : XXXX, XXXX, 2024 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I opened a personal account with Capital One. Recently, the bank suddenly froze my account without providing any clear reason. I fully complied with all verification requests and submitted my passport and other personal documents as instructed. 

However, Capital One continues to keep my account frozen and refuses to release my remaining balance of {$960.00}. I also requested to close the account and have the funds returned, but the bank declined without giving a valid explanation. 

This situation has caused me financial distress, and I believe the bank is unlawfully holding my funds. I am requesting immediate release of my balance and confirmation of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Some issues with card don't work at atms sometimes funds missing maybe some manipulation or something is happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain information being reported on my credit report regarding my federal student loan ( s ). My credit report shows late or delinquent payments recorded immediately following the end of a forbearance period. 

I was not informed by my federal loan servicer that the forbearance had ended or that payments were due to resume. This lack of notice caused payments to be missed unintentionally. Reporting such delinquencies without providing borrowers proper notice is inaccurate and unfair. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information must provide accurate and complete information to consumer reporting agencies. Reporting a delinquency when the servicer failed to communicate the end of forbearance violates this standard. Additionally, the Higher Education Act ( 20 U.S.C. 1080 ) and U.S. Department of Education regulations ( 34 C.F.R. 682.211 & 685.205 ) require loan servicers to notify borrowers when a forbearance or deferment is ending, including the date payments resume and the amount due. I did not receive such notice, making the negative reporting inaccurate and unjustified. 

I therefore request that your bureau investigate this matter under FCRA 611 ( 15 U.S.C. 1681i ) and remove or correct any inaccurate or unfairly reported delinquency information related to my federal student loan ( s ). 

Please provide me with written confirmation of your investigation and results within the 30 days required by law. Once the investigation is complete, kindly send me an updated copy of my credit report. 

Enclosed are copies of relevant documentation supporting my claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
I have filed for XXXX XXXX assistance through the hospital to have my debt discounted i filled out the proper paperwork sent back all the forms.I got a letter on XXXX XXXX XXXX  XXXX XXXX XXXX stating that I was eligible for XXXX  assistance. I got a notice in the mail today.XXXX XXXX  XXXX XXXX XXXX, stating that I owed over XXXX grand and medical debt the XXXX XXXX program at XXXX XXXX XXXX XXXX XXXX did not disclosed on why I was denied for XXXX  assistance. I have called and left a message.But the debt collector I am a single mother with XXXX kids work, XXXX jobs barely making ends meet. I would like to have a yearly plan set up.That is what I can afford.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/year> I got an email from current bank. I came from XXXX XXXX XXXX on some work. I found out that current bank doesn't do loans in XXXX XXXX XXXX XXXX  So I told them I was back in XXXX  so I could get a small loan so I could pay for a bill. Now they are doing a review of my account and froze the account. I can't use my bank card to withdraw or make purchases. I kept calling and in their chat room to find out when this would be over with. They said in the letter 3-5 business days. This has past and XXXX weeks later they said XXXX weeks to a month. But when I call they said 3 to 5 business days still. My check came in and they took the money out which I owe them. But they won't let my auto pay to go through. They put a red flag on the account. To this today they won't tell me what's going on. I feel like I am getting the run around with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to report that I have discovered unauthorized hard inquiries on my credit report. I have already reported this issue to the credit reporting agencies, but I have not received adequate assistance in resolving this matter. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I dispute these unauthorized inquiries and request immediate deletion. The inquiries were made without my consent and have caused me financial loss and XXXX XXXX. 

I have taken further action by filing a police report ( report number [ insert report number ] ) and would like to provide this documentation as part of my complaint. 

My current phone number XXXX Address : XXXX XXXX  XXXX XXXX XXXX, Mn XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
Purchased a vehicle from XXXX XXXX XXXX on XX/XX/year>. First payment was XX/XX/year> from GM financial and I called to make pymt and was told the dealer closed the contract. Contacted the dealer and stated what GM financial said. Four months later the dealer called back and wanted to open a new contract on XX/XX/year> XXXX the financial manager called and I said no I do not want a new contract and wish to return the vehicle back and get my down payment back which he said yes. I noticed on XX/XX/year> my credit was run again by GM financial and I just received in the mail a new account number and billing statement. I believe GM opened a new contract based of the original without my consent. The original contract was closed and I told XXXX XXXX no on signing a new one and I would return the vehicle. Now I have a new account with GM that was not authorized and they have destroyed my credit. What is my recourse? This appears as fraudulent act on GM and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
* * DISPUTE LETTER CREDIT REPORT INACCURACYXX/XX/XXXX ToXX/XX/XXXXExperian XX/XX/XXXXXXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX * * From :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSubject : XX/XX/XXXXFormal Dispute of Credit Report Errors XX/XX/XXXX Account -- - Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account XX/XX/XXXX XX/XX/XXXX The reporting for this account contains multiple discrepancies, which violate the * * Fair Credit Reporting Act ( FCRA XXXX ( a ), 607 ( b ), and 611 ( a ) ) XX/XX/XXXX Discrepancies IdentifiedXX/XX/XXXX Conflicting Account Status : XX/XX/XXXX Experian reports the account as Open, while TransUnion reports Closed. Inconsistent reporting violates XX/XX/XXXX FCRA 607 ( b ) XX/XX/XXXX 

XX/XX/XXXX Future Dates/ Inaccurate Dates : XX/XX/XXXXStart Date is listed as XX/XX/XXXX and Last Activity as XX/XX/XXXX on TransUnion. Clearly inaccurate. 

XXXX. * * Date Opened Mismatch : XX/XX/XXXX Experian : XX/XX/XXXX * TransUnion : XX/XX/XXXX * Minor differences still constitute inaccuracy under * * FCRA 607 ( b ) * *. 

XXXX. * * Missing Date Closed : * * * Both bureaus fail to report a closure date. 

XXXX. * * Consumer Dispute Not Fully Reflected : * * * Comments indicate the account is disputed, but reporting XXXX not fully reflect this under * * FCRA 611 ( a ) XX/XX/XXXXRequested Actions * * Under the * * FCRA * *, I request : 1. Conduct a * * full investigation * * with the creditor to verify all reported information. 
XXXX. Correct all inaccuracies, including : * Account Status * Start Date / Last Activity * Date Opened/ Date Closed * Addition of the consumer dispute comment XXXX. If the creditor can not verify the information, * * remove this account from my credit report entirely * *. 
XXXX. Provide * * written confirmation * * of the investigation results within * * 30 days * *, as required by law. 

I have included supporting documentation to verify the disputed information. Please ensure that all reporting reflects * * accurate, complete, and verified information * * in compliance with the * * FCRA * *. 

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : 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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am submitting this complaint on behalf of XXXX XXXX XXXX. 
He has a Wells Fargo credit card with an outstanding balance of {$7300.00}. 
XXXX XXXX has been facing serious medical issues that have prevented him from working for about XXXX months and continues to experience health complications. Because of his medical condition and loss of income, he has been unable to make payments toward this account. 
Despite his efforts to communicate with the bank, the financial hardship has made it impossible for him to maintain regular payments.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian phone line is unusable. Refused to connect to human agent. Called many times and they hung up on me every time. I was unable to interact with the agency at all as their telephone phone communication robot is completely useless and hangs up on consumers. They should receive a penalty for not being reachable by customers.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One credit card ( opened XX/XX/year> ) was closed by the bank despite no late payments, no unauthorized activity, and no violations of account terms. All payments came from my own personal bank account. I contacted Capital One multiple times regarding an issue with how one payment posted. I was told the account would remain open while the issue was being reviewed.

However, the account was closed instead and is now being reported to the credit bureaus as Closed by credit grantor, which is inaccurate and is negatively affecting my credit standing. The closure did not happen due to misuse, delinquency, or risk behavior. 

I am requesting that the credit reporting be corrected to accurately reflect my positive history. Please update the account status to : Closed at consumers request or remove the closure remark entirely. 

This correction will ensure that the closure does not unfairly harm my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries To TransUnion, I am formally disputing several unauthorized hard inquiries that appear on my XXXX credit report. Under the Fair Credit Reporting Act ( FCRA ), any company pulling my credit must have a permissible purpose and my documented authorization. 
After reviewing my consumer report, I found the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am requesting that XXXX  provide documentation containing my physical or electronic signature proving that I granted authorization for each of the inquiries listed above. 
If you can not provide proof of my signed authorization for each inquiry, Then under FCRA 604 & 611, you are required to delete these inquiries as they would be considered unauthorized. 


Please complete your investigation within 30 days and send written confirmation of the results to my mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i contacted capital one after reviewing my bank statement and seeing an unauthorized charge for over XXXX at a merchant XXXX that I do not know and have never in my life done business with on My account. i called to file a dispute and fee days letter they tell me they have denied the dispute based off card possessions .I specifically stated I was not in possession of the card at the time that the purchase was made I was in fact at work and my wallet was lost that is how my card get stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
* * DISPUTE LETTER CREDIT REPORT INACCURACY * * * * Date : * * XX/XX/XXXX * * To : * * Equifax Information Services XXXX XXXX.XX/XX/XXXXExperian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX * * Subject : * * Formal Dispute of Credit Report Errors XX/XX/XXXX Account -- - Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account :XX/XX/XXXX The reporting for this account contains multiple discrepancies across the three major credit bureaus, which violate theXX/XX/XXXXFair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ) XX/XX/XXXX 

XX/XX/XXXXDiscrepancies Identified XX/XX/XXXXFuture Start Date : * * * All bureaus report XX/XX/XXXX as the start date, which is in the future and clearly inaccurate. Violates * * FCRA 607 ( b ) * *.

2. * * Date Opened/ Closed Discrepancies :XX/XX/XXXX Equifax / Experian : Date Opened XX/XX/XXXX * TransUnion : Date Opened XX/XX/XXXX * Date Closed missing on XXXX XXXX XXXX XX/XX/XXXX on TransUnion. 

XX/XX/XXXX Last Activity / Last Payment Conflicts : XX/XX/XXXX Equifax Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXX * Experian Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXXXX/XX/XXXX TransUnion Last Activity XX/XX/XXXX / Last Payment XX/XX/XXXX XXXXXX/XX/XXXX Comments/ Account Notes Inconsistencies :XX/XX/XXXX Equifax : Charged off account * Experian : Account transferred or sold/ Purchased by another lender / Unpaid balance reported as a loss * TransUnion : Charged off as bad debt / Purchased by another lender XX/XX/XXXX Missing Verification Dates :XX/XX/XXXXXX/XX/XXXXLast Verified missing on Equifax and Experian violates completeness underXX/XX/XXXXFCRA 607 ( b ) * *. 

XXXX. * * High Balance Discrepancy : * * * Equifax reports {$680.00}, Experian/XX/XX/XXXX report {$560.00}. 

XX/XX/XXXXRequested Actions XX/XX/XXXX Under the XX/XX/XXXX FCRA XX/XX/XXXX I request the following : 1. Conduct a * * full investigation XX/XX/XXXXwith WORLD FIN to verify the accuracy of all reported information. 
XXXX. Correct all inaccurate, incomplete, or inconsistent information, including : * Start Date / Last Activity / Last Payment * Date Opened/ Date Closed * High Balance / Terms * Comments/ Account Notes * Last Verified Dates XXXXXX/XX/XXXXcan not provide verified documentation,XX/XX/XXXXremove this account from my credit report entirely XX/XX/XXXX 
XXXX. Provide XX/XX/XXXX written confirmation XX/XX/XXXX of the investigation results within XX/XX/XXXX30 daysXX/XX/XXXX, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely,XX/XX/XXXXXXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation