vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GATEWAY FIRST BANK
State: MO

Complaint narrative:
I reached out to XXXX XXXX at Gateway Mortgage to discuss refinancing three ( 3 ) rental properties. The highest priority loan term stipulation I expressed to her was proper note vestingthe loan must be vested in the LLC. The current mortgages I had were not properly vested ( they were in my name ), and thus this was the most important purpose of refinancing with Gateway. 

On our first call, XXXX told me she was a property investor herself and that Gateway was offering an excellent investor loan product. The product had conventional mortgage interest rates ( almost unheard of for an investment product ), and more importantly it allowed for the deed of trust to be vested in my LLCs name via personal guarantee rather than in my personal name. 

Due to XXXX sparse communication it took several months to reach near-closing. At this point I had already reiterated multiple times the importance of the vesting, to which she always came across as affirmative and understanding, with no issues to speak of. As part of her and titles preparation for closing, XXXX required me to quitclaim the property deeds into my personal name. I found this irregular and so I reiterated the vesting point again. She told me the quitclaims were necessary because this mortgage was not a business loan, which contradicted the pitch she sold me on originally ( that this was a product specifically designed for investors ). The loan not being a business loan also contradicted the presumption that it could be properly vested in the LLC. If this were the case, no quitclaim would be required because the properties were already owned by the LLC. 

There is a chance that she doesnt understand the difference between loan vesting and who holds title, though I find this hard to believe. I believe she walked a line of absolute minimal disclosure about the true nature of the loan and purposely conflated vesting with title, hoping I would not push the issue or not catch it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Near the end of XXXX, I suddenly began being embarrassed at local places of business when my XXXX XXXX XXXX card through Comenity Bank kept declining. 
Since the expiration date was XX/XX/XXXX, and I keep a XXXX balance, this made no sense. 
On XX/XX/XXXX, I called the company to ask why this was happening. Call time was XXXX XXXX, and the call lasted XXXX mins, XXXX secs. The XXXX person told me that it wasn't working because they had mailed me a new card. I stated that I'd not received a card and she said that they had just mailed it late XXXX and that I should have it by XXXX, XX/XX/XXXX. ( First, why would you cancel my current card before I even received it? ) After watching my mail ever since and not receiving any communication or card from Comenity Bank, I called again : XX/XX/XXXX, XXXXXXXX XXXX After going through the painful process of listening to their robotic system, it finally said hold for main menu if you need something else. It then put me on hold to wait for an agent. After XXXX mins, XXXX secs, the system simply terminated the call. 
I feel that I've wasted enough time trying to get decent customer service from a company that I've been a customer of for many years. I can't keep begging for this card, but don't want a closed account affecting my credit score either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am filing this complaint because Citizens Bank is reporting inaccurate and misleading information to XXXX  regarding two former checking accounts. The reporting violates the Fair Credit Reporting Act ( FCRA ), specifically the requirements for accuracy and completeness under FCRA 607 ( b ).

Account 1 ( Paid in Full ) : Bank : Citizens Bank Date Closed : XX/XX/XXXX Original Amount : {$220.00} Status : Paid in Full Status Date : XX/XX/XXXX XXXX  Reason Code : Account Abuse This reporting is factually incorrect. The account was closed due to overdraft fees, not account abuse, fraud, or misuse. Citizens Bank has never alleged abuse, and no documentation exists to support that classification. Reporting account abuse is materially misleading and harms my ability to obtain banking services. 

Additionally, the account is paid in full, yet it continues to be reported as a derogatory item. Reporting a fully paid account as a negative event is incomplete and misleading under FCRA accuracy standards. 

Account 2 ( Unpaid but Incorrectly Classified ) : The second account is still being reported as account abuse, which is also inaccurate. This account was closed due to overdraft fees, not abuse. I intend to pay this balance in full, but even before payment, the reason code is factually wrong and must be corrected or removed. 

Why this violates the law : Under FCRA 607 ( b ), Citizens Bank and XXXX  must ensure that all information furnished is accurate, complete, and not misleading. Reporting overdraft-related closures as account abuse is inaccurate and creates a false implication of fraud or misconduct. 

Under FCRA 611, I have the right to dispute inaccurate information. I have attempted to correct this through XXXX, but the inaccurate reporting remains. 

What I am requesting : I am requesting that the CFPB require Citizens Bank and XXXX  to : 1. Delete the inaccurate Citizens Bank entries from my XXXX  report, OR 2. At minimum, correct the reporting to accurately reflect that the closures were due to overdraft fees, not account abuse. 


Because the current reporting is inaccurate, misleading, and harmful, I am requesting full deletion. 

I have attached a copy of my XXXX  report showing the inaccurate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
CHEXSYSTEMS INQUIRES NOT AUTHORIZED : 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 explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have been trying to get spousal SCRA benefits ( XX/XX/XXXX ) applied to my account with Nelnet- who have been giving me the most ridiculous run around. - that might have to be a separate complaint. Anyway, on XX/XX/XXXX in one of their repetitive email requests for information, I noticed that a representative from Nelnet ( on XX/XX/XXXX ) included my maiden name ( which is the name they have on file because they never updated my information 10 years ago when I sent my marriage certificate ) AND my full social security number in the email chain without my permission. 
On XX/XX/XXXX I asked that they remove the information from the email chain. 
On XX/XX/XXXX I sent a separate email and notified them of the unauthorized disclosure and asked 1 ) they provide written confirmation of the incident 2 ) identify all recipients of the email both internal and external 3 ) written notice of Nelnet 's next steps 4 ) provision of credit and identity monitoring services at no cost to me. 
On XX/XX/XXXX they responded by asking for my DOB. 

I feel like I will continue to get the run around with my SSN the same way I am getting the run-around with my SCRA benefits inquiry. I'll send them info ( NOT MY SSN ) but account number, name and then they'll respond back asking the same questions and never really making any progress. 
Honestly if you could help with both -that would be great, but my biggest concern now is my personal information being so recklessly compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I have some hard inquiries on my account that Im not aware of Im a victim of fraud and would like these removed XXXX XXXX  ( XXXX ) This is the auto loan and the student loans as well Dept. of Education ( XXXX ) this needs to be removed ASAP. I need the late payments removed as well as the hard inquiries.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: FL

Complaint narrative:
Account # : XXXX XXXX XXXX XXXX XXXXXXXX dispute continued derogatory reporting on a closed account. Please validate or remove pursuant to FCRA 623. 

reported as dispute was resolved this inaccurate and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascent Holding Co
State: AR

Complaint narrative:
On XX/XX/XXXX I enrolled into XXXX and signed a contract to pay the agreed amount of {$10000.00} and in return I was granted 24 months of guaranteed access to mentorship and lifetime access to the web program, unlimited reasonable project review during 24 months mentorship, and unlimited access to career coaching during 24 months. I was notified on XX/XX/XXXX that XXXX broke their contract by unexpected closing and disabling access to mentorship and web program, after only 5 months of access. 

I reached out to Ascent Funding to resolve the issue which they were aware of due to the number of students affected by XXXX closure. On XX/XX/XXXX I spoke to representative XXXX and was given a ticket number ( XXXX ) and told to no longer make payments as they would resolve the issue. It has been 3 months and I am receiving delinquency notifications and am now getting calls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I requested written & mailed verifiable proof of ownership for this debt, ever since I found out about the debt. I have never received it, I have tried to negotiate for pay for delete & more. That has ultimately led for said debt collection agency to no longer pick up my calls or just hang up once they see my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I requested my 2025 statements from Axos bank because they closed my account. Since they closed my account, I can't access my statements online. I asked if they could email me the statements or mail them. They send they can't email me them, and can only mail me them after I mail them a {$10.00} check. I find this unreasonable and want access to my data without needing to wait for a check to be mailed to them, processing, and statements to be mailed back to me. I also don't want the risk of losing the check in the mail, or losing the statements in the mail, and having to restart the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Under 15 U.S.C. 1673 ( a ) ( 1 ), involuntary withholding for the collection of a commercial debt is limited to a maximum of 25 percent of the employee 's disposable earnings. As an XXXX XXXX military member I incurred a debt due to my ex wife and the move. I could not afford payments and chose to fight a debt of upwards of XXXX. I came to an agreement to settle the debt to XXXX. However, the very next day I noticed I had nothing of a paycheck. Navy federal took my entire paycheck that my family depends on. I spoke with multiple representatives from the business and all they were allowing was XXXX back and I would now only be allowed to do a payment plan. Essentially now making the debt consolidation invalid and a harsh take over to pay off the XXXX instead of the XXXX of which I cant afford now. Navy federal not only broke federal law garnishing my full paycheck and only giving a small amount left, they did a hostile take over to ensure I can only pay the XXXX owed. Below is an attached file that shows the claim I spoke on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I bought a brand new XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, which was financed by Exeter Finance. 
On the XX/XX/year>, the said car transmission became faulty and the car was no longer driving. 
XXXX XXXX XXXX sent a Toe truck and had it towed back to the dealership on XX/XX/year>. 
And l told the dealership straight out that l dont want the car anymore and I cant start fixing the transmission of a brand new car. They should refund money back to the leasing company they introduced to me in financing the car. They told me that will only be possible by the manufacturer XXXX XXXX. I wrote to XXXX XXXX and they told me that the transmission was fixed after XXXX and if it had stayed over XXXX thats when they could do a buy back. 
I had to go back to the dealer with advice from an attorney to request the dealer to give me a replacement and they said no. Right now the financing company has been troubling me to accept the car like that or if not they will repossess the car and sell it and I will be made to pay the difference. 
I have told the dealer and XXXX XXXX to refund money back to Exeter finance and let me have my peace but they refused they want to force me to have the brand new car they just fixed the transmission and I told them no. 
I am appealing that you people help me compel XXXX XXXX to refund money for the total cost of the car back to Exeter finance so I can have my peace. The said car is still at the dealership from XX/XX/year> till date. I bought it for my personal business and of which I was not being able to do because I dont have the car. The car would have been my major source of income, but I dont have the income to pay Exeter finance for the car. This has greatly affected my credit score and rating. Please l humbly seek for justice and assistance in helping me correct this abnormality.

I dont think there is anyone that will buy a brand new car and start fixing the transmission. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, a service provider ( XXXX ) automatically renewed my subscription via Paypal. This is not the issue. I immediately notified the provider that I did not want the renewal and closed my account. XXXX immediately issued a refund. 

The issue is that the payment for the subscription renewal went through PayPal per my wishes. What was NOT my wish is that PayPal made the payment out of my bank account against my wishes instead of charging my credit card per my instructions. PayPal caused an overdraft in my account, along with overdraft fees. 

PayPal blocks customers via AI and did not provide the requested explanation as to why my bank account was charged against my express instructions nor has it offered the PayPal terms and conditions I asked for in writing as to what gives them the right to do whatever they want with my bank account when I limit access to my account to incoming transfers of money only. PayPal owes me the bank overdraft fee I was charged due to the overdraft it created when it acted against my instructions. 

No one from PayPal will talk to me about this or tell me why they have the right to make a payment out of my checking account when I stated that I wanted my credit card charged.

Attached 1. screenshot from checking account showing overdraft and overdraft fee 2. screenshot showing PayPal account `` wallet '' indicating credit card is the " preferred payment method. '' I think PayPal ignores its customers ' wishes because it acts on behalf of payees/businesses instead. PayPal does not give full disclosure about its practices and how your bank account may be charged against your wishes. PayPal does as it pleases with customers ' bank information, not adhering to its fiduciary duty to abide by customer wishes. 

PayPal did this once before, charging my bank account directly for a XXXX purchase against my stated preference as well. Once again, my complaints were not responded to. 
Paypal is grifting consumers on behalf of busineses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax regarding an auto loan account reported by XXXX XXXX XXXX XXXX XXXX. The account reports a voluntary surrender with a remaining balance of approximately {$10000.00}, along with conflicting information such as Pays As Agreed. 

On XX/XX/year> only XXXX days later Equifax responded that the account was updated after contacting the furnisher. No documentation, verification, or explanation of how the account was verified was provided. This extremely short turnaround strongly suggests that a reasonable investigation was not conducted, which violates the Fair Credit Reporting Act ( FCRA ). 

I requested the following documentation from both Equifax and XXXX XXXX XXXX : the original signed contract, proof of voluntary surrender, complete payment history, proof of vehicle disposition ( sale or auction ), and a detailed calculation of any alleged deficiency balance. I also requested a Method of Verification from Equifax showing who reviewed the information, what documents were used, and how verification was conducted. None of this information has been provided. 

The account remains on my credit report with inaccurate and unverifiable information, which is materially misleading and damaging to my credit score. I believe both Equifax and XXXX XXXX XXXX failed to comply with their obligations under FCRA 611 and 623 to conduct a reasonable investigation and ensure accurate reporting.

Company response to consumer: Closed with explanation