vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX for {$990.00}. The delivery never arrived. My building management reviewed security footage and confirmed that no XXXX delivery was made to my address on the date and time XXXX claimed. I filed a police report for a missing/stolen delivery after providing the video evidence. 

Before contacting Chase, I spent weeks arguing with XXXX customer service. XXXX repeatedly told me they could not do anything, refused to investigate further, and instructed me to contact my bank instead. They would not issue a replacement or a refund. 

I then filed a dispute with Chase for merchandise not received. Chase initially issued a temporary credit, but on XX/XX/year>, Chase reversed the claim even though I provided : ( 1 ) proof of non-delivery, ( 2 ) the police report, and ( 3 ) written confirmation from my building management that no delivery ever occurred. 

Chases investigation ignored this evidence and closed the dispute stating there was nothing they could do. I paid {$990.00} for merchandise I never received, and the merchant refused to resolve the issue. I am requesting that Chase properly review the evidence and issue a refund for the non-delivered order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
My loan value went below 78 % on XX/XX/year>, so PMI shouldve been canceled automatically. But XXXXm still being charged for it. Ive called several times asking for the charges to stop and to get a refund for everything after that date. They keep saying itll be fixed within 30 days, but nothings changed. Its frustrating theyre ( Mortgage Insurance Company-Lakeview Loan Servicing , LLC ) just holding onto the money.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently obtained a copy of my credit report and discovered that the company is reporting inaccurate and misleading information about my account ( s ). The reported data does not match my true payment history, current balance, or the supporting documents that I am providing with this complaint. The errors include incorrect status information, incorrect balance/past-due amounts, and comments that make it appear as if I still have unpaid charged-off or collection debt when the obligation has already been resolved or is being reported incorrectly. 

After I saw these inaccuracies, I contacted the company directly and submitted a formal dispute, asking them to investigate, correct the information, and provide documentation to support what they are reporting. Instead of doing a meaningful investigation, the company responded with a generic verified as accurate answer and left the same errors on my report without explaining how they verified the information or addressing the specific documentation I provided. 

Because of this, my credit report is not accurate and complete, and it creates a false and negative picture of my credit history. This is harming my ability to qualify for credit, housing, and other important services, even though I have already resolved or corrected these accounts. I am filing this complaint so that the company is required to properly investigate my dispute, correct or delete the inaccurate information, and stop reporting misleading data about my account ( s ).

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 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a XXXX account that appears on my credit report. This account was opened fraudulently and without my authorization. I did not apply for or consent to this account, and it should not be associated with my credit history. 

I request that this account be investigated and removed from my credit file. Please provide written confirmation once the investigation is complete and the account has been deleted. 

Enclosed are copies of my credit report with the disputed account highlighted, along with identification documents to assist in verifying my claim.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: AL

Complaint narrative:
In reviewing this account, I discovered multiple inaccuracies. The loan was financed for an amount significantly higher than the vehicles value and carried an 18 % interest rate. The vehicle has since been declared a total loss, and the insurance company is paying off the remaining balance. 

I requested documentation and a full accounting from the company, but they did not provide the information. The balance, payment history, and current status are not being reported accurately. The company also failed to update the account after the total loss payoff process began, which violates the FCRAs accuracy and duty-to-investigate requirements. 

I am requesting that the company correct or delete the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRG STX Properties, LLC
State: TX

Complaint narrative:
XXXX XXXX is reporting false and incomplete information to the credit bureaus. 
The account shows a charge-off but provides no furnisher address, no payment history, and lists an impossible timeline ( Last Payment Date before the Date Opened ). 
This violates FCRA 602, 607 ( b ), and Metro 2 furnishing standards. 
I am requesting deletion or full correction of this account

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
Experian, Equifax and Transunion are reporting a Bankruptcy on my credit report. I have requested several times that it be removed because it is illegally being reported. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies must ensure maximum possible accuracy : 15 U.S.C. 1681e ( b ) : Duty to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to reinvestigate disputed information.

15 U.S.C. 1681c : Requirements relating to information excluded from consumer reports.

If you are reporting bankruptcy information, you must verify it directly with the federal court. However, bankruptcy courts do NOT furnish data to credit bureaus. Reporting unverified information violates : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If you can not provide : 1. The name of the person who verified the bankruptcy, 2. The method used to verify it, 3. Copies of the verification documents, then the item must be deleted immediately. 

Please complete your reinvestigation within the time allowed by law. If this item is not removed, I will take further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian, Equifax and Transunion are reporting a Bankruptcy on my credit report. I have requested several times that it be removed because it is illegally being reported. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies must ensure maximum possible accuracy : 15 U.S.C. 1681e ( b ) : Duty to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to reinvestigate disputed information.

15 U.S.C. 1681c : Requirements relating to information excluded from consumer reports.

If you are reporting bankruptcy information, you must verify it directly with the federal court. However, bankruptcy courts do NOT furnish data to credit bureaus. Reporting unverified information violates : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If you can not provide : 1. The name of the person who verified the bankruptcy, 2. The method used to verify it, 3. Copies of the verification documents, then the item must be deleted immediately. 

Please complete your reinvestigation within the time allowed by law. If this item is not removed, I will take further action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: DC

Complaint narrative:
I disputed the XXXX XXXX XXXX account with Equifax on XX/XX/year>, but Equifax failed to conduct a reasonable investigation under FCRA XXXX. Equifax continues to report the account in violation of Metro 2 CRRG guidelines and FCRA 607 ( b ). The account is improperly coded as an Open Account, violating Metro 2 CRRG 6.2, 6.3, and 11.2, which require all debt-buyer collections to be furnished in the Collection segment only. Equifax is also reporting 24+ months of rolling C notations with no activity, which is illegal re-aging under FCRA 623 ( a ) ( 5 ) and violates Metro 2 CRRG 11.4 and 11.5 ( prohibition on monthly payment history for collection accounts ). DOFD is missing, violating Metro 2 CRRG 2.2, 2.3, and FCRA 623 ( a ) ( 5 ). The account fields ( status, balance, payment history ) conflict with other bureaus, violating Metro 2 CRRG 4.2 and 4.4 ( inter-bureau alignment ). None of these errors were corrected after my dispute. I am requesting correction or deletion pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I received an email and text from Sofi on XX/XX/year> to call them about unusual activity on my account. The text read as followed XXXX from SoFi. We noticed unusual activity and temporarily restricted your bank accounts for your protection. For help, call ( XXXX ) XXXX and press XXXX, or log in to chat with us. Reply STOP to opt-out.. The email also stated I had 14 days to respond or else my account would be closed. I called them immediately and was told my account was going to be closed regardless without any explanation. I have not even had any suspicious activity on the account as I barely even use the account. Now I cant access my funds in the account and have to wait for the whole process of the account getting closed and a check being mailed to me which could take over a month. Consumers beware about using Sofi and storing any money with them. They will close your account without an explanation and have you unable to use your hard earned funds. Luckily I didnt have too much money on there or else i couldve fallen behind on my bills and possibly kicked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I am writing to dispute a XXXX XXXX account that appears on my credit report. This account was opened fraudulently and without my authorization. I did not apply for or consent to this account, and it should not be associated with my credit history. 

I request that this account be investigated and removed from my credit file. Please provide written confirmation once the investigation is complete and the account has been deleted. 

Enclosed are copies of my credit report with the disputed account highlighted, along with identification documents to assist in verifying my claim.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Date : [ Insert Todays Date ] Subject : Complaint Regarding Collection Account Credence Resource Mana XXXX XXXX XXXX XXXX Account Information : Collection Agency : Credence Resource Mana Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$200.00} Current Balance : {$200.00} Status : Collection account, past due as of XX/XX/year> Complaint Summary : I am submitting this complaint regarding a collection account reported by Credence Resource Mana for XXXX XXXX XXXX XXXX account. I dispute the validity of this account for the following reasons : Previous Dispute and Re-Aging : This account was previously disputed and removed from my credit report. It has now been re-reported without my consent, which violates the FCRA 605 ( a ) and 623 ( a ) ( 5 ) prohibiting the re-aging of old debts.

Failure to Provide Verification : The collection agency has failed to provide verification of the debt or the original contract required under FDCPA 809 ( 15 U.S.C. 1692g ) and FCRA 609 ( a ) ( 1 ). They can not legally collect or report this debt without proper documentation.

Inaccurate Reporting : Reporting an unverified and previously deleted debt is a false representation of my credit history, violating FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 

Harassment and Illegal Collection Practices : By attempting to collect on a debt without validation, Credence Resource Mana is in violation of FDCPA 804, 805, 807, 808, which prohibit unfair, deceptive, or misleading practices. 

Damaging Credit : This account is negatively affecting my credit report and score, in direct violation of my rights under the FCRA 611, which guarantees the right to dispute inaccurate information and have it corrected or deleted. 

Requested Resolution : I demand that the CFPB require Credence Resource Mana to provide complete verification of this debt, including the original contract with XXXX XXXX XXXX. 

If verification can not be provided, I demand the permanent removal of this account from all credit reports and that all collection activity cease immediately. 

I request confirmation that this complaint has been registered and that violations of federal law will be addressed. 

Attachments : Credit report excerpt showing the account Documentation of previous dispute and removal Any correspondence with Credence Resource Mana or XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Well it's been like XXXX years. I called to see why they closed my account and they couldn't provide me the reason. I did try to open an account with them again and it won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I totaled my XXXX XXXX XXXX on XX/XX/XXXX. My insurance company ( XXXX ) sent a check to Huntington bank to pay off the loan ( around $ XXXX ) about 10 days after the crash. For a few weeks I periodically checked in with Huntington to verify that the check was received and would get paid off but they could never verify they received it. Eventually I had XXXX cut a new check to send to Huntington- this time with a XXXX tracking number. XXXX confirms the check was received by Huntington on XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX ). The check for {$9000.00} had the number # XXXX. 

I have since called Huntington several more times to ask why this check has not been processed yet. Each time I call, I get a new customer service representative who seems to have no idea about what I have been through at this point. I have since purchased another car and I'm now going to have to make payments on both my new and old totaled car until Huntington gets this sorted out. I'm also concerned that Huntington is not going to refund me for XXXX months of interest on the loan that has only accrued because they are taking so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GATEWAY FIRST BANK
State: NM

Complaint narrative:
The lender found cheaper insurance and I switched from XXXX to XXXX. However, the lender kept XXXX on the closing documents and I paid for XXXX policies for over XXXX year. Also, I received a payment notice from XXXX and paid it instead of XXXX. XXXX only covered my house and XXXX covered auto too. Thus, I did not have auto insurance for XXXX months. I called XXXX and the agent was able to help me. I didn't even know what happened until my insurance was cancelled and I drove without insurance due to my lender. 

XXXX XXXX XXXX XXXX XXXX NM XXXX Gateway Mortgage -- XXXX was my agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX. I am formally disputing the inaccurate information on my credit report and this is in pursuant with 15 U.S.C section 1681b and 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. I do not owe any debt to these entities. These are unlawful inquiries and this is a direct violation of my consumer rights to privacy and it illegal to report anything under my name. Furthermore, there are unauthorized inquires on my credit report that I did not initiate, this constitutes for identity theft. Pursuant to 18 U.S.C section 8. I do not owe any debt to any of these entities. I demand immediate removal and and deletion of inquires and inaccurate items on my credit report. Please address this matter promptly and confirm the deletion of the disputed items.

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 2025-11-23 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo is reporting inaccurate information on my closed account. I have already disputed this with all three credit bureaus, but the information has not been properly verified. The payment dates and the reporting status are inconsistent, and Wells Fargo has not provided documentation supporting the late payments. 

I also want to provide the context behind these issues : In XX/XX/XXXX, I went into a Wells Fargo branch to make the minimum payment. The branch employee gave me the incorrect minimum payment amount, and I was not aware that the amount was incorrect. Because of this mistake by Wells Fargo staff, my account became past due a week later, which unfairly impacted my credit score. 

Additionally, in XX/XX/XXXX, I experienced a family emergency involving a death in my family. I contacted Wells Fargo to explain the situation and request support or a goodwill adjustment. Instead of assisting me, Wells Fargo declined to help and continued to report late payments without considering my circumstances. 

I am extremely disappointed in how Wells Fargo handled these situations. Both late payments were caused by circumstances outside my control one due to employee error at their own branch, and the other during a documented family emergency. It is not fair, and the reporting does not reflect the full context. 

I am requesting a full investigation, and I respectfully ask for the removal of the two late payments from my credit report. These negative marks are preventing me from rebuilding my credit, and I am planning to purchase a home in early XXXX, so this matter is extremely important. 

Thank you for 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 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The Department of Education approved my Income-Based Repayment ( IBR ) application on XX/XX/year> with a $ XXXX  monthly payment. I submitted all documents on time and met every requirement. 

Nelnet has not applied the approved IBR plan to my account. My Nelnet dashboard still shows a past-due balance and a payment due. Because Nelnet failed to update my repayment plan, late payments were reported to the credit bureaus. These negative marks are not accurate. They resulted from Nelnets servicing delay, not from any failure on my part. 

I am requesting the following corrections : Apply my approved IBR plan Update my account to reflect a $ 0 monthly payment Remove all past-due indicators Correct all negative credit reporting caused by this error Provide written confirmation once completed This servicing failure has caused financial harm. I am requesting full correction.

Company response to consumer: Closed with explanation