vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Nelnet, my federal student loan servicer, has falsely reported my loan payments as late between XXXX and XX/XX/year>. I made several payments during that period and have receipts and email confirmations from Nelnet showing that the payments were processed. Despite this, Nelnet denied my dispute and refused to correct the inaccurate reporting. 

Details : I have had both private and federal student aid loans for over ten years and have never missed a single payment. From XXXX through XX/XX/year>, I made consistent payments toward my federal student loans serviced by Nelnet. I have email confirmations from Nelnet for payments made from XXXX through XXXX. Two confirmations from XXXX and XXXX are missing however are available in their system. Nelnets own investigation noted that I tried to make seven payments, yet they still declined to fix their mistake. 

This error has resulted in a late mark being added to my credit report, which has significantly lowered my credit score. I have worked for over ten years to build strong credit so I can provide for my family and continue to build financial stability as the son of two XXXX  from XXXX. The way Nelnet has handled and serviced my loans has been deeply disappointing and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
We scheduled two student loan payments on the same day. They both showed up in the system, but the next day, only one had posted and there was no proof that we had made the second payment. 

We believe that because they were for the exact same amount, maybe had been cancelled because it was believed to be a duplicate. 

A few days later, we made the final payment on our loans. At that time, the second payment from the previous day and the final payment both posted so we are overpaid by {$600.00}. 

We have requested a refund of the overpayment from Mohela but they have told us it will be up to 6 months for a refund. I've been unable to reach anyone via the web portal to get our refund expedited. We are very frustrated and need our money back.

Company response to consumer: In progress
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Chime has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America freez my checking account entire valence, due to diseased notification and I am very well alive. When I call Bank of America customer service and ask the customer service representative Name XXXX and ask her why my account is freez, she said because of a diseased notification and then she take me are you diseased sir? I said no iam not I am taking to you and then she start laughing, and I told her is not funny, then she gave the phone number to call this department tomorrow. 
Its really causing me a big emotional distress and financial worries because all my money is on hold. Or may be a fraud or bank error.

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 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P.
State: AZ

Complaint narrative:
I received a flyer in the mail advertising loans in XXXX, Arizona. I was desperate at the time so I applied. I was not made aware that they were charging over 200 % interest which is in direct violation of Arizona ursury laws which has a cap of 36 % interest. I found out that they were not a legitimate bank and they were a XXXX  company piggybacking off of a shady bank to push these predatory loans and I want to revoke their ability to report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-10-07 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: MO

Complaint narrative:
Equifax continues to inaccurately report a collection account from XXXX XXXX XXXX on my credit report. XXXX XXXX XXXX has issued a written statement confirming that the account would be removed and that they have contacted Equifax to request its deletion. Despite these assurances, Equifax continues to report the account as an active collection. 

I have submitted multiple disputes to Equifax and provided supporting documentation, including the official letter from XXXX XXXX XXXX verifying that the account should be deleted. Nevertheless, Equifax has repeatedly denied my disputes and failed to correct the inaccurate information. This ongoing reporting constitutes a failure to conduct a reasonable investigation and to ensure the accuracy and completeness of the information maintained in my credit file, as required under the Fair Credit Reporting Act ( FCRA ). 

The collection from XXXX XXXX XXXX has been removed by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX i opened a dispute to dispute various unauthorized transactions. My phone, ID, and wallet with DISCOVER debit card in it was stolen. When I regained access to my account I disputed the charges. They refunded me for some and denied me for the rest and wont respond to my redispute. I never made those purchases and deserve a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Account Closure by JPMorgan Chase Bank Dear CFPB Representative, I am writing to formally lodge a complaint against JPMorgan Chase Bank regarding the abrupt and unexplained closure of my personal checking account, saving account and my XXXX  Account On XX/XX/year>, I discovered that my Chase Bank account had been closed without any prior notice or clear explanation. I was neither informed of any issues leading up to this decision, nor provided with any written or verbal communication detailing the reason for the account termination. When I contacted Chase Bank 's customer service for clarification, I was told that the bank had chosen to exercise its right to close the account but declined to provide any specific reason. 

As a result of this sudden closure, I was left without access to the funds in my account, which caused significant financial hardship. I was unable to pay for essential expenses including food, transportation, and basic necessities for the week. The situation has not only caused financial stress but also emotional distress, as I was left in a vulnerable position without any support or explanation from the institution I trusted with my money. 

I understand that banks may reserve the right to close accounts under certain circumstances. However, I believe that consumers have the right to transparency and proper communication, especially when such closures have a direct and immediate impact on their financial wellbeing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Chase Bank accountable for its lack of transparency and the undue hardship caused by its actions. I also request that I be provided with a clear and formal explanation of why my account was closed and that steps be taken to ensure that customers in similar situations are treated with greater consideration and respect in the future. 

Thank you for your time and attention to this matter. I am happy to provide any additional documentation or information needed for your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I made a transaction to pay my student loan. The funds was deducted. XXXX XXXX never received the funds. I filed a dispute and got rejected. I proceeded to call again with a XXXX XXXX  representative on a recorded line and was instructed to provide new info to reopen the dispute. SoFi stated no error ocurred. 

XXXX XXXX XXXX says they did not receive the funds. Sofi states no error was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
Recently I reported this account to transunion that it needed to be closed for giving incorrect information on my credit report, and letting them know that because this information is incorrect it needs to be removed. NOT ONLY is it incorrect but they have informed me 4 times that this account is closed and each time that they report this it bring my credit down even more. I am disputing the continued reporting of an account from XXXX XXXXXXXX XXXX on my TransUnion credit report. This account is closed and charged off, but TransUnion continues to report it monthly in a manner that inaccurately harms my credit score. The information being reported is incorrect and misleading, causing repeated and unjust damage to my credit. I have informed both the creditor and TransUnion multiple times that the account is closed and charged off, yet the inaccurate reporting continues. Because this information is inaccurate, I am requesting that TransUnion remove this account entirely from my credit report.

below is proof of the inaccurate information from 3 months of updates as well as my W2 For proof of identity and Utility bill for proof of address

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally eXpress my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation