vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: PR

Complaint narrative:
I was misled by a company operating under the name XXXX XXXX / XXXX XXXX XXXX XXXX. I originally searched online for Nelnet ( my federal student loan servicer ) to inquire about loan consolidation. The phone number I reached was answered as if it were Nelnet or an official Department of Education representative. They stated they were authorized to consolidate and manage federal student loans. 

Based on this representation, I believed I was speaking with my loan servicer. I agreed to monthly payments of {$120.00} starting in XX/XX/XXXX. I made these payments through XX/XX/XXXX, for a total of {$620.00}. 

On XX/XX/XXXX, I contacted Nelnet directly and confirmed : 1. This company is NOT affiliated with Nelnet.

2. None of the payments I made were applied to my federal student loan.

This means I was misled under false representation. I paid believing these payments were legitimate and would be applied to my student loan. They were not.

All evidence is included in the uploaded PDF in clear order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I am a XXXX XXXX veteran and homeowner who has experienced financial hardship due to a loss of household income. My mortgage was originally with XXXX XXXX  and later transferred to M & T Bank. Since the transfer, I have faced significant challenges working with M & T Bank to resolve my mortgage issues. 
Despite multiple attempts by my wife and the Department of Veterans Affairs ( VA ) to communicate with M & T Bank, the bank has not offered a sustainable resolution. I explained that my wife is awaiting the start of her Social Security Income ( SSI ) benefits, and our payment schedule does not align with the mortgage due date on the XXXX of each month. Still, M & T Bank has shown no flexibility. 

On XX/XX/year>, someone from M & T Bank placed a foreclosure notice on our door, even though we had submitted a payment. This action has caused extreme stress and fear of losing our home. 

I accepted a prior resolution from M & T Bank only to avoid foreclosure, not because it was financially sustainable. I am requesting a loan modification that includes : Moving the defaulted amount to the end of the loan term without penalties or added interest. Adjusting the monthly due date to align with our income schedule. 
Suspending foreclosure proceedings while this request is under review. 

I believe M & T Bank is not acting in good faith and is prioritizing foreclosure over helping families like mine stay in their homes. This treatment is especially disheartening given my service to this country. 

What I want to happen : I am requesting that M & T Bank : Approve a loan modification that defers the missed payments to the end of the loan term without penalties. 

Adjust the payment due date to align with our income schedule. 
Halt all foreclosure actions while the modification is under review.

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 2025-11-03 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: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
HELLO I am filing this complaint against XXXX XXXX XXXX and Sensible Auto Lending for violating my rights under the FCRA and FDCPA Act. Both companies are reporting inaccurate, misleading, and unverifiable information on my credit reports with all three bureaus. 
XXXX XXXX XXXX is reporting conflicting data, including different payment histories, balances, and account statuses across bureaus. Sensible Auto Lending is reporting a repossession with inconsistent dates and an incorrect past-due balance that can not be verified. I requested written proof and validation of these accounts, but neither company provided documentation or corrected the information within the required time frame.

These actions violate FCRA 607 ( b ) ( failure to maintain accuracy ), FCRA 623 ( a ) ( 1 ) ( A ) ( reporting known inaccuracies ), FCRA 611 ( failure to reinvestigate ), and FDCPA 807 ( 2 ) ( A ) and 809 ( b ) ( false representation and continued reporting without validation ). Their negligence has caused me emotional distress, credit denials, and financial setbacks.

I am desperately requesting that the CFPB require both lenders to delete t the inaccurate information, provide written proof of verification, and compensate me for the harm caused by these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-04 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, XXXX XXXX, am submitting this complaint personally not through any third-party company or credit repair service .

I am a victim of a data breach that led to unauthorized credit inquiries, false addresses, and fraudulent accounts being added to my credit reports. 

Despite prior disputes with the credit bureaus, these items remain uncorrected. I am requesting a formal CFPB investigation and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Items Unauthorized Inquiry : XXXX XXXX  XXXX XXXX was not authorized by me. 

Fraudulent Accounts : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine. 

XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Not mine. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not mine. 

Incorrect Personal Information : Incorrect prior addresses appearing on my credit files : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( incorrectly listed as previous address ) Resolution Requested Removal of all unauthorized inquiries. 

Deletion of all fraudulent accounts not belonging to me. 

Correction and removal of all inaccurate personal addresses. 

Written confirmation from each bureau reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate XXXX U.S.C. XXXX. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
JEFFERSON CAPITAL LLC is reporting an incomplete and non-compliant tradeline for account XXXX  XXXX. This account contains conflicting delinquency dates, constituting an illegal re-aging attempt. The reported Date Major Delinquency 1st Reported ( DMDR : XX/XX/XXXX ) is later than the Original Date of 1st Delinquency ( DOFD : XX/XX/XXXX ), violating FCRA 605 ( a ) ( 2 ). Moreover, the furnisher has failed to report key data fields, including the required Status Code, Date Closed, and Activity Designator, rendering the tradeline incomplete and inaccurate under FCRA 623 ( a ) ( 1 ). I demand a full investigation and the immediate deletion of account XXXX XXXX  from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today XX/XX/year> at XXXX I made a same day wire transfer for an Escrow. This was to purchase a property and is time sensitive. After waiting a while the wire was still pending. I called and visited the Bank of America Branch. No one could give me correct information they said always processed by XXXX and that was. I asked what if that doesnt happen I dont want to be the XXXX percentile that doesnt get their wire processed. He said it wouldnt happen, hes never heard of it not processing, then proceeded to ask if I left this to last minute trying to put the blame on me. I left the branch. After a hour or so wire was still pending. I kept calling and was told by a call representative that it probably was flagged as fraud. This was alarming since I recieved no email or call from them stating this. Specialist transferred me to the wire department and released the funds at XXXX. She assured me that wires get processed day of by XXXX. At XXXX still no transfer so I called the wire department again. Agent said it will happen by XXXX. At XXXX I called the bank again, funds still not Wired. I was told nothing could be done it will have to be for next day. I said its unacceptable it is a time sensitive and I will loose the property. Again I was told nothing they can do and they cant give me a specific reason why this happened. I asked to speak to manager or supervisor. They couldnt help either they said they released the funds but they were still processing for some reason. I asked what reason. No reason was given. I asked for XXXX number and they couldnt provide it. I now had to appeal to the seller in good faith that my extension is granted and Im at risk of loosing the property.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, the company responded to my deletion request, stating, It appears this request did not come from you or someone youve authorized. To protect your privacy, we did not process the request. We only process requests submitted directly by you or by someone you have officially authorized. I would like to clarify that no third party has ever represented me in this matter. I am the sole individual authorized to submit and manage any requests or disputes related to my credit report. As of XX/XX/year>, I formally submitted a request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), seeking the immediate blocking and removal of fraudulent information that was added to my credit file as a result of identity theft. I submitted written correspondence to XXXX XXXX and Credit Collections, each including a police report, proof of identity, and proof of address to substantiate my claim. To date, I have not received any response or resolution regarding this issue, and I respectfully request prompt action in accordance with the FCRAs identity theft protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
My report states a total account balance of {$16000.00} and a credit utilization of 628 % on a {$2600.00} credit line. This information is incorrect. My actual total account balance and credit utilization are significantly lower than what is being reported. I request an immediate investigation and correction of these errors. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on my credit report. Please fix this issue. Ive attached a screenshot of my Transunion account which reflects a correct account balance And a screenshot of Experian reporting incorrect account balance information.

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 2025-11-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Experian challenging the completeness and accuracy of multiple accounts on my credit report, including accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX 

Experian has indicated that my dispute was completed, but I have not received any written results, mailed reinvestigation summary, or updated credit report as required by law. The Experian portal simply shows that the dispute is completed without providing the actual findings, verification information, or updates to the disputed accounts. 

This failure violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 611 ( a ) ( 6 ) ( A ) Failure to provide written notice of the results of the reinvestigation.

611 ( a ) ( 6 ) ( B ) Failure to provide the name, address, and telephone number of each furnisher contacted during the reinvestigation.

611 ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate or unverifiable information.

611 ( a ) ( 7 ) Failure to provide a description of the procedure used to determine the accuracy and completeness of the information.

607 ( b ) Failure to ensure maximum possible accuracy of consumer report information. 

As of XX/XX/year>, I still have not received any mailed documentation, reinvestigation summary, or updated report reflecting changes. Experians handling of this dispute has left me unable to determine whether the accounts were actually investigated or verified, and the disputed items remain on 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 2025-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

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