vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date : XX/XX/year> To : Wells Fargo XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Subject : Formal Complaint Failed Balance Transfer ( Ref XXXX XXXX XXXXXXXX ) Dear Wells Fargo XXXX XXXX, I am writing to formally complain about a failed balance transfer involving my Wells Fargo credit card account ending in XXXX. I opened this account in response to a promotional mailing from Wells Fargo offering a 0 % interest rate on balance transfers for a period of approximately XXXX  months. 

I initiated a transfer of {$3900.00} to pay off a XXXX XXXX credit card. Wells Fargo confirmed the transaction and provided a reference number : XXXX. I reasonably believed the transfer had gone through. However, I later found out that the transaction was never processed and no one from Wells Fargo informed me. 

This lack of notification is unacceptable. I relied on the confirmation and assumed the balance transfer was complete. Instead, I have spent more than an hour on the phone between Wells Fargo and XXXX XXXX trying to fix this issue. The failure to notify me, paired with a confirmation number, shows serious unprofessionalism and disregard for customers. A letter assuming one was sent is not sufficient for time-sensitive financial matters. You should have called or emailed me. 

Because of this mishandling, I am demanding the following : XXXX. A written explanation of why the transfer was never completed. 
XXXX. Proof of whether the transaction was attempted, and if so, why it failed. 
XXXX. Written assurance that I will not incur any late fees, interest charges, or XXXX score impact as a result of this. 
XXXX. Compensation for the time, stress, and inconvenience caused by this failure including any consequences with XXXX XXXX. 

I expect a full written response within XXXX business day. 

Sincerely, XXXX XXXX Wells Fargo card ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. Thank you. I will await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
Subject : Equifax continues to report inaccurate, re-aged accounts and fails to investigate disputes per FCRA and Metro 2 guidelines.

Details : I am filing this complaint because Equifax continues to report inaccurate and outdated information on my credit report despite multiple disputes and evidence provided.

Two accounts from XXXX XXXX XXXX XXXX ( Acct ending in XXXX ) and XXXX XXXX  XXXX XXXX XXXX ( Acct ending in XXXX ) were previously charged off and should no longer be impacting my credit based on their original delinquency dates. However, Equifax has allowed these furnishers to update the Date of First Delinquency and Status Date to XXXX and XXXX, which is a clear violation of : FCRA 605 ( a ) re-aging to extend reporting past 7 years is illegal.

FCRA 611 ( a ) failure to conduct a reasonable investigation.

Metro 2 Guidelines furnishers can not update or manipulate DOFD to restart the reporting timeline.

Equifax claims they " could not read '' my dispute documents even though I submitted them through the CFPB portal and received no error confirmation. Their XX/XX/XXXX reinvestigation report ( Confirmation # XXXX ) shows that they simply repeated the same results stating both creditors verified the accounts but failed to address any of the concerns or documentation I submitted.

I am attaching that 8-page reinvestigation letter as supporting documentation. This proves Equifax used an automated process ( e-OSCAR ) and ignored my detailed dispute about date manipulation and inaccurate reporting.

I am requesting that the CFPB enforce the FCRA by : Requiring Equifax to provide the method of verification, including which documents were reviewed and how.

Having the inaccurate data corrected or removed.

Investigating Equifaxs internal dispute process for compliance with FCRA and Metro 2 standards.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Complaint Against Student Loan Servicer for Misconduct Loan Servicer Information : Servicer Name : Mohela Loan Account Number : [ Your Loan Account Number ] Type of Loan : Federal Loan Nature of Complaint : Select all that apply : Incorrect loan balance reported Misapplied or missing payments Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) X Failure to process loan forgiveness or discharge requests X Inaccurate reporting to credit bureaus X Unlawful collection practices Other : [ Describe ] Description of the Issue : I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXXree Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. I am filing this complaint against Mohela due to errors in my student loan account. On XX/XX/year>, I noticed that my loan servicer was no longer servicing my loan. They never informed me of this in writing. Prior to that I filed for loan forgiveness. They denied me of employments. I contacted customer service, but they failed to correct the issue. Now, I am being told that my loan servicer gave my information to another provider without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Dear Consumer Protection Division, I am submitting this formal complaint against Shellpoint Mortgage Servicing for their ongoing failure to acknowledge my legal rights and responsibilities as the successor in interest to a mortgage-secured property, and for their continued refusal to respond to repeated, good-faith attempts at communication.

Background : I became the rightful owner of the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, following the death of XXXX XXXX XXXX XXXX in 2021. Since that time, I have taken all necessary legal and procedural steps to assume responsibility for the mortgage, including : Providing the mortgage company with a copy of the will, Submitting a recorded deed showing the propertys legal transfer to me, Completing all necessary forms and communications to establish myself as the successor in interest to the loan.

Upon assuming ownership, I reinstated all delinquent payments on the mortgage and have continued to maintain the account in good standing from 2021 to the present. Despite this, Shellpoint Mortgage Servicing has failed to properly acknowledge my successor in interest status and has either ignored or failed to respond to numerous phone calls, emails, and formal written correspondence. Timeline of Events : Submitted successor in interest documentation including will and deed.

Reinstated the mortgage by paying off back payments in full.

Reached out for account access and servicing rights; was granted limited access Sent multiple follow-ups with no acknowledgment.

Escalation attempts through customer service were ignored or unresolved.

This lack of communication and failure to recognize my legal rights as successor in interest places me in an untenable position, restricting my ability to manage the mortgage and property responsibly. I believe this conduct violates applicable federal law under the Real Estate Settlement Procedures Act ( RESPA ) and CFPB successor in interest rules, as well as Virginias own consumer protection statutes.

Thank you for your time and attention. I trust your office will take this issue seriously and help ensure this matter is resolved properly and lawfully.

Sincerely, 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 2025-07-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Fair Collections and Out Balance {$7900.00}, 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 Experian XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). Fair Collections and Out Balance {$7900.00}, 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 Experian XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates ( PRA ) for knowingly reporting inaccurate and illegal tradelines across XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting guidelines. 

PRA is reporting XXXX accounts with a combined balance of {$36000.00}. These accounts have never been validated with required documentation such as a 1099-C, Bill of Sale , or Chain of Custody. Despite repeated written disputes, PRA and the credit bureaus continue to report : Active balances on charged-off accounts Conflicting statuses ( Charge-Off and Collection simultaneously ) The phrase Dispute resolved; consumer disagrees with no proof Updates to tradelines during ongoing disputes Improper placement of active collection accounts in the closed section ( XXXX ) Accounts with XXXX activity code violating XXXX XXXX standards These actions artificially inflate my debt-to-income ratio, misrepresent my creditworthiness, and violate my rights under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) and FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: OR

Complaint narrative:
I found the company Self LLC on my XXXX  credit report. I tried calling the number on the report and am unable to get ahold of anybody to discuss this fraudulent account. I did not open this account and when I disputed the account with XXXX  they told me that the ssn and address match my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Chase is offering introductory promotions for cards- specifically for the Chase Sapphire Reserve- a XXXX point bonus if a customer spends {$5000.00} in the first XXXX months. 

I have attempted to make several al transactions with my card and have confirmed on multiple occasions that I am in fact the one making these transactions. I confirmed my address had changed, and that I lived in my current state. Even after these confirmations the card was still declined. 

Despite multiple confirmations, I am unable to use my credit card account to make transactions. 

I believe Chase is purposely making it difficult for me to take advantage of the introductory offer. I believe this to be a fraud. 

XXXX - supervisor chase sapphire reserve - denied my request for the denied amount to count towards my total for the bonus period. This is further indication that Chase is defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: AZ

Complaint narrative:
I was desperate to borrow money so I could make a major repair to my car. When signing all the documents, I didn't notice how high the interest was, which was well over 600 %, until now. The payments are extraordinarily high. I'm on a fixed income and can only pay so much. I feel like I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I have reached out to XXXX, XXXX, XXXX, and XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
My credit or items in my report have not been resolved in over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi there XXXX had a account open with me there and then they close it out said I did not follow the rules

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fair Credit Act all 3 credit bureau address inaccurate still on my credit report. XXXX XXXX XXXX XXXX XXXX Pa XXXX is not my address never lived there cosigner for a loan please remove from my credit. XXXX XXXX XXXX XXXX  XXXX pa XXXX my parents home no longer live there XXXX. XXXX XXXX XXXX XXXX Pa no longer at that location. Family please remove these address from my 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