vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of delinquent payments by my federal student loan servicer, Nelnet. 

My student loans were in a federally authorized XXXX payment pause beginning in XXXX, during which no payments were required and credit reporting practices were significantly altered. Prior to my loans transferring to Nelnet in XXXX, they were serviced by XXXX, and I maintained a perfect payment history with no late payments. 

When the XXXX payment pause ended, I did not fully understand that missed payments would once again be reported to the credit bureaus or that delinquency would escalate month over month. Based on the prior years of nonpayment requirements and non-reporting, I reasonably believed I could resume repayment when financially prepared and then establish a regular payment schedule. 

In XXXX, XXXX, and XXXX of XXXX, my loans were reported as increasingly delinquent, ultimately appearing as XXXX days late across multiple loan tradelines. Once I became aware that my credit was being negatively impacted, I immediately contacted Nelnet, resumed repayment in XX/XX/XXXX, and enrolled in autopay to ensure all future payments are made on time. I did not allow the account to enter default, collections, or charge-off. 

Nelnet also approved natural disaster forbearance on my account on XX/XX/XXXX and again on XX/XX/XXXX, reflecting that the period surrounding repayment restart involved broader disruptions and was not a result of financial neglect. 

While I understand that the reporting may be technically accurate, the resulting credit impact has been disproportionately severe given the unprecedented transition following years of payment suspension, the lack of borrower understanding regarding renewed credit reporting, and my immediate corrective actions once the issue became known. 

I am requesting that Nelnet review whether the reporting outcome is fair and appropriate under these circumstances and consider adjusting or mitigating the reported delinquency to better reflect my overall repayment history and good-faith efforts. 

I appreciate your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I owed a XXXX XXXX XXXX  XXXX dollars but I had received a notice from them that the debt was forgiven. They have a program that forgives debt with them. I keep getting notifications from Nationwide Credit and Collection that they are trying to collect that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I placed an online order with the XXXX and hadnt received any correspondence from the company. I attempted to email to check the status of my order but received an automated email response. Not the typical email you received after placing an order. I then attempted to call their XXXX # and the interaction was very odd. The representative couldnt answer basic questions regarding my order. It made me immediately question the validity of the site and its workers. I spent {$390.00} and hadnt received anything.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
The company went to the repaird shop after disabling the vehicle while it was at the shop an can with an afffidavit not singed but a judge an took the vehicle to an undisclosed location an after they sold it I didnt receive an 1099c which is a consolation of debt. An I was never received a letter saying it was being sold r a chance to retrieve my belongings out of the vehicle

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
On XX/XX/year> I had went into XXXX XXXX of XXXX missouri to have them change my payments from weekly and monthly because I was moving to arkansas to take care of my sick grandfather and my grandfather was even willing to pay the not for me until I could get established upon arriving there they had told me they would not do that and we're going to take possession of the car claiming I was XXXX week behind on the payment and tried to forcibly take possession of it by blocking me in with another vehicle parked behind it so I could not leave after fighting with them for XXXX hours and telling them what they were doing was illegal my mom had called in and paid the week they had claimed I was behind on and they let me leave the next day they had sent a tow truck and reposesed it claiming I was XXXX day behind on the payment I did not receive a notice of default or a right to correct which is required by law in the state of missouri and it is now being reported on my credit as a repossesion affecting my credit I had tried to find a lawyer but could not find one that would take my case I reported them to the attorney general and nothing came of it I also have disputed it on my credit multiple times and nothing has come of it I would like for the repossesion to be removed since it was done illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: CA

Complaint narrative:
Whom It May Concern, This correspondence constitutes a Qualified Written Request ( QWR ) pursuant to the Real Estate Settlement Procedures Act ( RESPA ), XXXX XXXX. XXXX. 
I am writing to formally dispute any assertion that my mortgage loan is delinquent or subject to foreclosure. I have been consistently making my required mortgage payments, and any suggestion that foreclosure may occur is inaccurate and unsupported by my payment history. 
The transaction history provided reflects escrow advances, adjustments, and internal accounting entries, but it does not clearly identify any missed monthly payments that would justify a foreclosure warning. I am disputing any implication that my account is in default due to payment nonperformance. 
Accordingly, I am requesting the following information in writing : Confirmation of my loans current status, including whether it is considered paid and current as of the date of this letter. 
Identification of any payments you allege were missed, including the specific due dates, amounts, and reasons for any claimed delinquency. 
A complete payment application history showing how each payment I submitted was applied to principal, interest, escrow, and fees. 
A detailed explanation of all escrow advances, late fees, and corporate advances, including the basis for each charge. 
Written confirmation that no foreclosure activity has been initiated, and that no foreclosure action will proceed while this dispute is under review. 
Please note that this account is formally disputed, and I request that all collection or foreclosure-related actions be suspended until your investigation is completed and a written response is provided, as required by law. 
I expect acknowledgment of this QWR within five ( 5 ) business days and a substantive written response within the timeframes required under RESPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : Property Address : XXXXXXXX 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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/XXXX, I sent LVNV Funding LLC a written debt validation request by certified mail pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). The request disputed the debt and asked for proper validation, including proof of ownership and authority to collect.

Despite receiving my written dispute, LVNV Funding continued collection activity by reporting the alleged debt to XXXX  as of XX/XX/XXXX. LVNV Funding did not provide any validation of the debt before continuing collection activity. 

Continuing collection activity, including credit reporting, after receipt of a timely written dispute without first providing validation is a violation of the Fair Debt Collection Practices Act. I am seeking correction or deletion of the credit reporting and cessation of collection activity unless and until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My last payment was XXXX XXXX because the interest rate ballooning and was paying on time. Even when making the payment they begin with the collection and the harassing calls. The collection started XX/XX/XXXX until now. I did speak to someone in customer service ( XX/XX/XXXX ) why they were enormous charges, but calls kept coming. They destroyed my credit by sending me to l three credit agency without my consent from XXXX to XXXX. I was really upset about this because have not charged anything in long time. can't give a date for this, but you can ask for my charges. i cut up my Macys card up because they were price gouging. May i note. that they have class action case against Citi bank and Macys for price ballooning interest rates. i have copies of my payments on my bank statement. Need to talk to an agent about displaying them.

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 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am submitting this complaint against CONCORD SERVICING LLC regarding the reporting of late-payment information associated with account number XXXX for the period of XX/XX/XXXX through XX/XX/XXXX. I am requesting confirmation that the reported late-payment history accurately reflects CONCORD SERVICING XXXX internal payment records for this account. 

The late-payment information being furnished is unclear and lacks sufficient detail to determine whether the reported delinquency aligns with the accounts balance, status, and actual payment activity during the months in question. At present, it is not evident how the alleged delinquency was calculated or whether it is supported by the accounts full transactional history. 

Under the Fair Credit Reporting Act, furnishers of information have a duty to provide complete and accurate data and to investigate disputes in a reasonable manner. If the late-payment status reported for this account is accurate, CONCORD SERVICING LLC must be able to demonstrate how the delinquency was determined, including how payments received, account balance, and account status at the time were evaluated in reaching that conclusion. 

If CONCORD SERVICING LLC can not substantiate the reported late-payment history with verifiable internal records, the information must be corrected or withdrawn. Continued furnishing of unverified or inaccurate data causes harm to my consumer credit profile and does not meet the accuracy and integrity requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: GA

Complaint narrative:
I am submitting this formal complaint regarding multiple fraudulent and inaccurate items reported across Experian, Equifax, and TransUnion that have appeared on my credit file without my knowledge, consent, or authorization. Despite my repeated attempts to resolve these issues with the credit bureaus and the corporations and debt collectors involved, these fraudulent items continue to appear, reflecting a serious failure to comply with 15 U.S.C. 1681b regarding permissible purposes for reporting consumer information, as well as my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have never given written consent for any of the following accounts to be reported, and their presence is a clear act of identity theft, causing substantial harm to my financial standing and creditworthiness. 

The accounts in dispute include multiple entries under XXXX account number XXXXXXXX XXXX XXXX, appearing nine times * *, as well as a XXXX account XXXXXXXX XXXX XXXX XXXX XXXX and XXXX account XXXXXXXX XXXX XXXX XXXX XXXX. Each of these accounts was reported without my authorization and must be deleted and suppressed immediately. In addition, my personal information has been reported incorrectly, including previous addresses at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX, and XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which are inaccurate and must be updated to reflect the correct information. The repeated reporting of these accounts without my permission is unacceptable and constitutes violations of my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I am writing to formally file a complaint regarding Diversified Adjustment, which is showing an inaccurate debt collection on my credit report. The details of the situation are as follows : Creditor Name : Diversified Adjustment Amount of Debt : {$2200.00} Date of Collection Notice : XX/XX/2025 I believe this debt is incorrect for the following reasons : 1. Inaccuracy of Amount : The amount listed does not reflect any legitimate debt I owe.

2. Lack of Documentation : I have not received any statements or documentation that validate this debt.

3. Impact on Credit : This erroneous information is negatively impacting my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo investigating a charged off fraud card locked out my online access to all my good accounts causing undue stress and financial hardships. Additionally, they kept reporting this fraudulent card on my credit report which has prevented me from purchasing a home.

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 2026-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
WITHOUT PREJUDICE Date : XX/XX/XXXX To : Aidvantage LLC From : XXXX XXXX XXXX XXXX CEASE AND DESIST NOTICE This letter serves as a formal demand that you immediately cease and desist from the actions described below. 
It has come to my attention that you have engaged in conduct including, but not limited to : Attempting to collect a debt that was involved with bankruptcy in XXXX. 
This conduct is unlawful and interferes with my legal rights. Such actions may constitute violations under applicable laws, including but not limited to [ insert relevant laws, e.g., defamation law, intellectual property law, harassment statutes, contract law, etc. ]. 
You are hereby directed to : Immediately stop the above-referenced conduct. 
Refrain from any future actions of a similar nature. 
Preserve all records, communications, and materials related to this matter. 
Failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice.

This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
Please provide written confirmation of your compliance with this notice by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX NOTICE : This communication is intended to resolve this matter amicably and does not constitute an exhaustive statement of facts or law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
I disputed multiple inaccurate and unverifiable items on my credit report. While some items were removed, several accounts and inquiries continue to be reported without original documentation or proof of permissible purpose, relying instead on automated or summary verifications. This fails to meet the requirements of a reasonable reinvestigation under the Fair Credit Reporting Act. I am requesting deletion of the remaining disputed items unless proper, original documentation can be produced, and confirmation that only my correct address remains on file.

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 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have a XXXX XXXX federal student loan serviced by Nelnet. The loan is currently in XXXX XXXX with no payment due until XXXX/XXXXXXXX. 
Despite this, Nelnet is reporting accrued interest of {$1000.00} and daily interest accrual of {$1.00}. 
This is not allowed under federal law. 
Direct Subsidized Loans do not accrue interest during : Administrative Forbearance Deferment Government-authorized payment pauses Nelnets actions are : Inflating my balance Misreporting my obligation Damaging my credit Violating federal student loan servicing rules They are furnishing incorrect information to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OM Financial, LLC
State: IN

Complaint narrative:
I paid my loan in full on XX/XX/XXXX. Still took out automatic payments. Requested a refund have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America ( BOA ) regarding an unresolved fraud case and the complete lack of follow-up communication. 

Below is a brief timeline of events : XX/XX/year> : I became aware that my mobile phone number had been fraudulently ported out without my authorization, leading to serious concerns about unauthorized access to my financial accounts. 
XX/XX/year> : I filed a police report and contacted Bank of America customer service to report the fraud and requested that my accounts be frozen for security reasons. 
XX/XX/year> : I visited a Bank of America branch in person and, with assistance from a banker, spoke directly with the fraud department to formally open a fraud case. I was informed that relevant documentation and next steps would be mailed to my home address within nine business days. 

As of today, more than one month has passed. Despite the seriousness of this matter and the assurances provided, I have received no letters, no emails, no updates, and no communication of any kind from Bank of America. Even accounting for the holiday season, I believe a case involving fraud and identity-related risk should have shown some measurable progress. 

I am extremely disappointed by the lack of transparency and communication. At this point, I am unable to confirm whether the investigation is actively ongoing or whether my financial security is adequately protected. 

I respectfully request the CFPBs assistance in ensuring that : XXXX. Bank of America provides a clear written update regarding the status of my fraud case. 
XXXX. The investigation is handled promptly and responsibly. 
XXXX. My consumer rights and account security are properly safeguarded. 

Thank you for your time and 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 monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I wrecked my car on XX/XX/year>. My car insurance policy covers the vehicle and the vehicle auto loan. My auto insurance policy did not cancel until XX/XX/year>.

Company response to consumer: Closed with explanation