vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have been a compliant XXXX XXXX XXXX  borrower since my school separation in Fall XXXX. I enrolled in an Income-Based Repayment ( IBR ) plan with the understanding that forgiveness would apply after 20 years of payments. I am now under the SAVE plan, and the Department of Education 's own policies suggest I should have qualified for forgiveness through the IDR account adjustment.

I filed Feedback Case # XXXX with the Department of Education on XX/XX/XXXX requesting account recalculation. Since then, I have submitted multiple follow-ups ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), but received no substantive response. 

I also referred the matter to XXXX XXXX XXXX office, which was told vaguely that my case was being researchedwith no contact person, timeline, or explanation. 

The Department 's failure to respond, explain, or resolve this case after more than 8 months constitutes unacceptable neglect. I request an immediate account recalculation, explanation of non-discharge, and audit of servicing history ( including any forbearance miscounting ). 

I believe my loan should be discharged under the current IDR forgiveness policy. Please help compel the Department of Education and Nelnet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: CA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to formally express my dissatisfaction with the handling of my recent credit application submitted to Capital One on XX/XX/year>. 

As part of the application process, I was prompted to upload both the front and back of my government-issued ID. I complied immediately, using a photo copy machine to submit the required documentation. I did not receive any response or update until I proactively contacted Capital One on XX/XX/year>. At that time, I was informed that my ID submission was flagged as a " copy of a copy '' and therefore not acceptable. I was then instructed to resubmit the ID using a smartphone camera, which I did the same day. 

I called to confirm the updated submission was acceptable and was told I would receive a response within a few days. Instead, my application was denied allegedly due to issues with my ID despite the fact that Capital One had now received the ID in the requested format. 

I contacted customer service again on XX/XX/year> to understand the specific issue. Representatives were unable to provide a clear reason why my ID was not accepted, even after reviewing it. I was told they could not rescind or override the denial, despite acknowledging that they saw no obvious problem with my documentation. 

As a result, I now have a hard inquiry on my credit report, which is negatively impacting my XXXX XXXX. I am hesitant to apply with another lender, even though I have good credit, out of concern that additional inquiries will be seen as credit-seeking behavior, further lowering my score and increasing the likelihood of denial. 

I believe this situation reflects a clear failure in Capital One 's internal communication and verification systems, resulting in a denial without merit and credit harm through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment reporting by Capital One on my credit report. The late payment ( s ) being reported are either inaccurate, incomplete, or unverifiable.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) : Requires data furnishers like Capital One to investigate and correct any disputed information when notified by a credit bureau or consumer.

15 U.S.C. 1681e ( b ) : Requires all information reported to be accurate and up to date.

15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes an item.

I previously disputed this with the credit bureaus and requested supporting documentation from Capital One, including : A full payment history with dates and amounts Evidence that a late payment occurred according to the terms of the credit agreement Proof that proper notifications were sent prior to negative reporting However, Capital One failed to provide adequate documentation validating the accuracy of the reported late payment ( s ). I believe the account may have been misreported due to a billing error, grace period misunderstanding, or internal mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf regarding disputed late payments that have appeared on my credit record. After thorough review of my records, I discovered these late payment entries that I believe to be inaccurate or unverified. Despite sending correspondence to the relevant parties over XXXX days ago requesting proper validation of these items, I have received no response and they have failed to provide satisfactory documentation supporting the accuracy of these late payments. I am seeking your assistance to resolve this matter promptly and effectively through proper investigation and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>2025 Wells Fargo approved two separate transactions while my account balance did not have enough money to cover both transactions. I was given a grace period one day, I made a deposit to bring my account to positive status and was still charged two overdraft fees of {$35.00} each totaling {$69.00}.

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 2025-05-30 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:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-05-30 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: FL

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 consen

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 2025-05-30 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-30 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: FL

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 2025-05-30 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: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally report and request investigation into contradictory and potentially unlawful actions involving XXXX XXXX  and Experian regarding a collection account I disputed through your agency. 

The account in question is : Account # : XXXXXXXX XXXX XXXX | Amount : {$1200.00} * * I previously filed a complaint requesting validation of this account, as I have no knowledge of it, no relationship, no contract, and no business dealings with XXXX XXXX  or the original creditor it allegedly represents. 

On XX/XX/scrub> 2025, I received a response via the via email from XXXX XXXX of XXXX XXXX, which stated : Thank you for your email. The above referenced account has been closed. Today we have notified the Credit Reporting agencies to delete this from your Credit Report. 

Despite this clear communication that the account has been closed and would be removed, Experian has responded to my credit dispute by claiming the account has been verified and refuses to remove it. 

This is a clear contradiction : If XXXX XXXX  has closed the account and instructed all Credit Reporting Agencies to delete it, How can Experian claim to have verified its validity? 

This strongly suggests that Experian failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i of the FCRA. By continuing to report a closed and unverified debt, Experian is : 1. Reporting inaccurate and false information, 2. Failing to conduct a reasonable reinvestigation of disputed data, 3. Causing harm to my personal and professional reputation and creditworthiness.

I am requesting the following : Immediate investigation into Experians handling of this dispute, Confirmation that this account will be deleted from all credit reports in compliance with XXXX XXXX instructions, Review for possible FCRA violations and any applicable penalties, Written confirmation from the CFPB when this matter is resolved. 

I appreciate your attention to this matter and your assistance in holding Experian accountable to federal consumer protection 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 2025-05-30 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 2025-05-30 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: LA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 2025-05-30 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX i incurred 3 fraudulent charges on my XXXX  money paycard totaling XXXX XX/XX/XXXX XXXX, XXXX and XXXX I filed a fraud dispute through XXXX  on XX/XX/XXXX. On XX/XX/XXXX. It was denied and closed and no specific reason or proof why it was denied. 
I had just got paid on XX/XX/XXXX. And i had used my card at a gas station in XXXX ky. The charges happened on the XXXX of XXXX in XXXX, ky which i was never there. I was physically in XXXX XXXX 20 miles away. 
When the claim was denied they could not provide me specific details. They also will not investigate further or provide me monetary relief for the incident.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/year>, I sent a debt validation request to Jefferson Capital Systems , LLC via email, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. As of today, they have failed to respond or provide any documentation to validate the alleged debt. 

Despite this, Jefferson Capital has continued to pursue collection efforts and reported the debt to credit bureaus, which is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation