vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I will make this quick. I qualify for total and permanent XXXX discharge. But my application was denied because judge stated that I have a continuing XXXX review in 5 years because of the possibility of improvement of mental health cormobid conditions. So they took that to mean they expect I will be all better with the right counseling. So they said that disqualified me. So how I'm waiting on an appointment with XXXX XXXX to sign the physicians form for loan discharge under total and permanent XXXX. My appointment is XX/XX/XXXX or around then. I will submit the paperwork immediately after but I have concerns. Currently if forgiveness is granted before XX/XX/XXXX their won't be taxes added as the loan discharge will count as income. They are saying that the backlog and extended waiting times on applications for discharge may cause many of us to end up owing taxes on the loans. I believe this should be addressed as soon as possible to be written in as a rule that if the application for discharge is approved, no matter the date, as long as it is submitted before end of XXXX should fall under the discharge rules of this year that state the fed government can't count loans XXXX for XXXX as taxable income. Otherwise what's to prevent XXXX from ordering a hold ( secretly ) on processing all these applications until after the deadline so everyone gets taxed. Trumps only motivation is financially based for anything he does. And this is the exact type of scheme he would put in place to be able to tax as many XXXX loans as he can. It isn't the borrowers fault that they made the system so unmanageable that they can't process applications in a reasonable timeframe. Especially since they are still working on borrower applications for payment programs. XXXX at age XXXX means I didn't work as long as most claiming social security so my checks aren't enough money to live on and I don't qualify for any other type of assistance other than {$90.00} in food stamps. Can't get rent or utility assistance or increase food stamps due to running out of money and food for at least XXXX to 7 days a month ( I call it my fasting period and tell people is for health reasons because it's embarrassing I can't afford to eat and stuck unable to work. If I can't afford food how will I be able to afford taxes on forgiven/discharged loans, especially when they decide to start taking 50 % of monthly ssdi checks to collect their money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This late payment does not reflect my actual payment behavior. Please review it urgently, as it seems to be an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I do not own this account and have asked them to remove it immediately as it is fraud related. They removed it from my credit profile then added back on as a closed account as of XX/XX/year> for {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today, I called Bank of America again after receiving an email today XX/XX/XXXX notifying me of a payment overdue for {$210.00} and a minimum payment of {$100.00}. I was surprised, I paid what I purchased in XXXX {$45.00}. On XX/XX/XXXX, and in XXXX, I called and requested the total amount I owed and was only told ( through deceptive practices ) what I owed that month and not in total. I also requested to remove the XXXX fees ( {$29.00} and {$2.00} ) for that month and paid the amount I purchased ( {$45.00} ), on my credit card. I also asked, as I did in XXXX, to explain to me how to set an auto pay and I proceeded to, supposedly, set it up to avoid all these issues, as I have been doing for almost XXXX years with my other cards. I closed the account but was told that I will still be constantly charged cumulative late fees. To make this situation more confusing to me, I also reported to the respective online security office in XXXX, that I was receiving several fake Bank of America emails requesting payment, I sent several of them by email to the provided email. I couldnt tell which one was real or fake since both included tge ladt XXXX account digits and my name!

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : INFORMATIVE Date : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
It was a bad decision going with this company years ago they was over charging me and sold my information to different companies tryna get money from me and I never went back to them they still send me stuff in the mail trying to get money

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding U.S. Banks improper withdrawal of federally protected Title IV student aid funds from my savings account. 

On XX/XX/XXXX and XXXX ( 2025 ), I transferred {$3800.00} in tuition and housing funds derived from my Pell Grant and federal student loan disbursement into my U.S. Bank savings account. Days later, I was notified of a {$3700.00} withdrawal labeled travel. Believing this to be fraudulent, I immediately called to dispute the transaction. Instead of processing my claim, I was informed by U.S. Bank representatives that the bank had seized my funds to satisfy an outstanding balance on a business credit card account. 

This action is unlawful because the funds in question are Title IV federal student aid disbursements, which are subject to strict protections under the Higher Education Act ( 20 U.S.C. 1095a and related regulations ). These funds are provided for the exclusive purpose of covering educational expenses such as tuition, housing, and books, and banks are prohibited from offsetting, garnishing, or otherwise redirecting such funds to cover unrelated debts once disbursed. 
By seizing these funds, U.S. Bank : 1. Violated federal law that protects Title IV funds from setoff or garnishment.

2. Deprived me of the ability to pay for essential educational expenses, putting my housing and enrollment at risk.

3. Failed to provide transparency and due process, as the transaction was misleadingly labeled travel rather than disclosed as a setoff.

I am requesting that the Consumer Financial Protection Bureau : Investigate U.S. Banks unlawful seizure of my Title IV funds, Require U.S. Bank to immediately return the full {$3700.00} to my account, and Ensure corrective action is taken so that student borrowers are not subjected to similar violations in the future. 

Students depend on these federal funds to pursue their education. Allowing banks to divert them for unrelated debts undermines both the intent of the law and the financial protections guaranteed to borrowers.

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 2025-08-28 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: FL

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
CFPB Complaint Update Formal Rebuttal & Demand for Investigation Subject : Re : CFPB Complaint Evidence of Backdated/Fabricated MPN Demand for Fraud Investigation Complaint ID : XXXX This update concerns a complaint regarding a federal student loan serviced by Nelnet. 
After the initial inquiry, Nelnet produced a Master Promissory Note ( MPN ) dated XX/XX/year>, which was the exact same day as the first disbursement. 
This is a direct violation of federal law under 34 CFR 668.164, which requires the XXXX to be signed before any disbursement, and not a clerical error. 

Key Facts from the Document : XXXX XXXX Date : XX/XX/year> ( Same as disbursement ) XXXX  " Today 's Date '' Field : XXXX * Electronic Signature : " ELECTRONIC SIGNATURE ON FILE WITH GREAT LAKES '' XXXX No Timestamp or Metadata : There is no proof of when it was actually signed * No Prior Federal Record : The XXXX did not appear in federal systems ( StudentAid.gov ) until after the filing of this CFPB complaint Evidence of Document Fabrication The following facts constitute a presumption of fraud under federal consumer protection lawsand Department of Education regulations : XXXX  The XXXX is dated the same day as disbursement XXXX  There was no record of it in federal systemsuntil after the complaint * It has no verifiable timestamp * It was not filed prior to disbursement This is not just a procedural flawit is evidence of retroactive documentation, possible backdating, and potentially false statements to the federal government under 18 U.S.C. 1001.

Demands : 1. A full investigation into whether this XXXX was backdated or fabricated. 
2. Confirmation from the Department of Education that the XXXX was on file prior to XX/XX/year>. 
3. Disclosure of when the XXXX was first uploadedto the federal system ( COD/NSLDS ). 
4. Immediate discharge of the loan due to a fatal origination defect. 
XXXX. Referral to the U.S. Department of Education Office of Inspector General ( OIG ) if evidence of fraud is found. 

Legal Basis Under 34 CFR 685.212, borrowers may assert a defense to repayment if the loan was originated in substantial violation of federal law. This includes : XXXX Disbursing funds without a valid XXXX XXXX Failing to follow proper loan origination procedures This loan was improperly originated and must be discharged. 
A fair and just resolution to this matter is expected, including the discharge of this loan and accountability for the fraudulent actions detailed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX or XXXX, I was charged {$100.00} by : The XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I disputed the transaction because : XXXX. I never entered my card information online. I only booked in person in XXXX and was not verbally told of any cancellation fee. 

2. I received confusing automated XXXX alerts about an appointment that did not appear on their system when I clicked the link. I believed it was an error. 

3. I had my Wells Fargo debit card set to off at the time of the charge, yet the merchant was still able to process the {$100.00}.

4. I was unaware of the merchants hidden cancellation fee of {$50.00} per service, which was never disclosed in person, only on their website but I did not make an appointment online. 

Wells Fargo denied my dispute, stating that the merchant provided documentation. When I asked what evidence was submitted, Wells Fargo said they did not know or could not share it. This leaves me with no transparency, no ability to rebut, and no consumer protection.

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I began submitting my disputes to Equifax/Experian/TransUnion regarding inaccurate accounts on my credit report on XX/XX/year>. I can include all of the letters I sent. It has been over 6 months, and I have not received any response, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and ensure the credit bureaus provide a proper response and correct any inaccurate information. If not, these accounts should be removed due to them hindering me from obtaining loans and financing. Thanks for all of your help.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
I am disputing how Skopos Financial , LLC is reporting a charge-off on my credit report because they failed to provide the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send both a Negative Information Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ), FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice ( 15 U.S.C. 1681m, FCRA 615 ). I never received either one. The account, XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ), reported positively for a period of time, but after delinquency it was charged off and derogatory information appeared without the mandated notices. The lack of a Negative Information Notice denied me the chance to resolve the matter before harm occurred, while the lack of an Adverse Action Notice denied me my right to review and dispute. These failures violate the FCRA and make the charge-off reporting unlawful.

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