vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I cosign for my daughter so she has a loan that she is currently paying back. I dont have shouldnt have a loan at all. I never went to school. I am a mom that is currently working a full-time job so we need to get this off my credit report because I am getting threatening emails from nelnet so my next steps will be filing in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Experian Legal P.O. XXXX XXXX XXXX, XXXX  XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a past-due notice for a XXXX XXXX membership at a location I moved away from in XX/XX/XXXX. I immediately disputed the debt and made three written requests for validation, as allowed under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Instead of providing the required validation ( copy of signed contract, itemized charges, and proof of valid billing authorization ), XXXX XXXX XXXX repeatedly redirected me to an online portal or back to the gym location, which is not lawful debt verification once a dispute has been filed. 

They continued collection attempts, added late fees, and instructed me to update payment info, despite being unable to validate the debt. This violates federal law requiring collection to pause until verification is provided. 

I am not refusing to pay a legitimate balance I am disputing continued billing and late fees after relocation and after my prior billing account became invalid. Their refusal to validate the debt, while continuing to collect, violates FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a full-time college student currently completing my student teaching, which makes it very difficult to work enough hours to earn sufficient income. I have about {$6100.00} in credit card debt with Discover and nearly {$3000.00} with XXXX. Ive been trying my best to make payments each month, but the high interest rates make it almost impossible to lower my balances. 

I am experiencing significant financial and mental stress from this situation. I have not missed payments intentionally, and I am doing my best to stay responsible, but my limited income and living expenses as a student make it extremely hard to keep up. I am asking for assistance in reducing or removing interest charges, lowering my monthly payment amount, or setting up a hardship or repayment plan that allows me to pay my debts without falling behind. 

I would greatly appreciate any support or direction in finding relief options through Discover and XXXX. I want to handle my debt responsibly, but I simply need help adjusting my payments due to my financial hardship as a full-time student teacher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone used my wellsfargo bank debit card to make a purchase from a fake online company. More than {$300.00} was withdrawn from my account, so I filed a claim with my bank. However, the bank sided with the fake online seller. They ignored my claim and said they can not help me any further.

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 2025-11-01 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:
Subject : Formal Complaint Regarding Identity Theft and Request for Account Removal Under FCRA 605B Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing fraudulent accounts that have been opened in my name due to identity theft. I have already submitted an FTC Identity Theft Report ( Report Number : XXXX ) and am providing this statement to demand the removal of these unauthorized accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX. 
The fraudulent accounts include : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge, permission, or consent, and I am not responsible for any balances, charges, late payments, or negative information associated with them. I request that these accounts be permanently removed from my credit report and not reinserted unless verified as belonging to me. 
Under FCRA 605B, I am entitled to have fraudulent accounts blocked from my credit report. I also request that you ensure the credit reporting agencies provide proof of verification if they attempt to reinsert these accounts in the future. 
Please let me know if you require any additional documentation or information to process this complaint. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Phone : XXXX Email : 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 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance deleted my active and positive auto loan tradeline from all three credit bureaus XXXX XXXX XXXX and XXXX XXXX despite my written reinstatement request. 

On XX/XX/year>, I faxed Capital One a formal reinstatement request for my active loan account # XXXX. Instead of reinstating, on XX/XX/year>, Capital One sent a delete transmission to the credit bureaus. As a result, TransUnion deleted the tradeline on XX/XX/year>. 

This was a reporting and compliance error that violated FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), and 611 ( a ) ( 5 ) ( B ).

I am requesting reinstatement of my tradeline to all three bureaus and written confirmation once reporting has resumed.

Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: AL

Complaint narrative:
I recently placed an order with XXXX, but unfortunately, it was cancelled due to failure to pass third-party verification. As I had pay using Cash App, they advised me to present this email to Cash App and inquire about the refund timeline for returning the funds to my account. However, Cash App subsequently declined my request..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KS

Complaint narrative:
XXXX XXXX Dispute # XXXX XX/XX/year>, while at work at for my XXXX shift - I received notifications on my phone that there were charges made on my account from XXXX. XXXX charge for {$27.00} made at XXXX XXXX. The other charge being {$36.00} at XXXXXXXX XXXX I immediately checked my vehicle and saw that it had been broken into and items were stolen, my debit card being one of those items. I immediately froze the card, reported it stolen and requested a new one. I wasn't able to clock out of work until XXXX as shown on my time sheet for that day, which I have submitted to XXXX with managers signature. I went to XXXX immediately, and was told that I had literally just missed the person with my card and there was nothing they could do, I had to call XXXX. I proceeded to do so and waited XXXX minutes or so for police to show up. XXXX XXXX arrived, went inside and reviewed camera footage from XXXX and saw who made the transactions and made the report. The thief was described to me as a tall, skinny, young XXXX man. Chime continues to refuse to refund my {$64.00} after many attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
b'AFFIDAVIT OF DISPUTE\nThis formal AFFIDAVIT OF DISPUTE is submitted under the Fair Credit Reporting Act\n(FCRA) and Fair Debt Collection Practices Act (FDCPA). TransUnion is reporting\noutrageous, inaccurate, and unverifiable information that damages my credit reputation.\nYou are legally obligated under XXXX  U.S.C.  XXXX(b), XXXX(a)(XXXX)(A), XXXX(a)(XXXX)(A), and XXXX to ensure maximum possible accuracy and to delete unverifiable data following a lawful\nreinvestigation.\n PERSONAL INFORMATION DISPUTE\nOnly the following personal information is accurate and authorized to remain on my file:XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  FL XXXX | (XXXX) XXXX all outdated or inaccurate identifiers, including: XXXX XXXX XXXX, XXXX XXXX,\nand prior addresses (XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, etc.). Failure to correct this information violates FCRA XXXX  and XXXX XXXX Segment requirements.\n DISPUTED XXXX XXXX XXXX XXXX XXXX  Creditor: XXXX XXXX XXXX XXXX XXXX XXXX Balance: $XXXXStatus: Active collection\nThis account is outrageously inaccurate and unverifiable. It appears solely on XXXX\nand lacks any evidence of contractual liability, billing statements, or assignment rights. Under\nFCRA XXXX(b) and XXXX(a), you are required to maintain accuracy and delete\nunverifiable data. Under FDCPA XXXX, Aldous & Associates must provide complete debt\nvalidation including the signed contract, membership agreement, and payment ledger.\nFailure to comply constitutes willful noncompliance under XXXX  U.S.C. XXXX XXXX XXXX LEGAL NOTICE AND DEMAND\nThese violations are outrageous and materially damaging. Failure to delete or properly\nvalidate these accounts within the legally mandated time frame will result in CFPB and FTC\ncomplaints, XXXX  filings, and a civil lawsuit for FCRA and FDCPA violations. TransUnion is\ninstructed to preserve all internal records, communications, and reinvestigation results for\npotential litigation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal and bank information was leaked during several data breaches with experian, equifax, Transunion, and oracle. I have noticed several unauthorized inquiries on my credit reports : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX co XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 XX/XX/year> I have attached my driver License and utility bill for proof of identity. I was not able to submit ID theft report due to government shut down but I have police case # attached.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal and bank information was leaked during several data breaches with experian, equifax, Transunion, and oracle. I have noticed several unauthorized inquiries on my credit reports : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX co XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 XX/XX/year> I have attached my driver License and utility bill for proof of identity. I was not able to submit ID theft report due to government shut down but I have police case # attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
There are missing payments made that don't show and late payments shown on the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am a full-time college student currently student teaching, which makes it very difficult to work or earn enough income to pay my credit card debt. I have about {$6100.00} owed to Discover and nearly {$3000.00} owed to XXXX. 

Recently, Discover was acquired by XXXX XXXX. I received an email stating that my account is now under XXXX XXXX, but I never signed or agreed to have a contract or my information transferred to this company. I am very concerned about how my data and debt have been transferred without my consent. 

I have been making payments and trying to stay responsible, but the high interest rates make it impossible to pay down my balances. This situation has caused serious financial and mental stress while Im completing my student teaching and preparing for my career as a teacher. 

Im asking the CFPB to review this matter under consumer protection laws, as I believe I should have the right to either refuse this transfer or receive relief due to hardship. Im requesting assistance with either clearing my debt or significantly lowering the interest so I can manage payments fairly and not be penalized for my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
So I had a claim that got denied without reasoning so I have a separate complaint for that but not only has their delay cause me financial hardships as I was promised a follow up and never received one. But they continue to charge my account the monthly service fee but cant come to a resolution.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a written dispute letter to Calvary Portfolio Services, LLC via their attorney, XXXX XXXX XXXX., regarding an alleged collection account appearing on my credit report. The dispute was sent by certified mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX) and was delivered on XXXX XXXX XXXX, as confirmed by USPS delivery records.\n\nIn my dispute, I requested verification and documentation of the alleged debt in accordance with the Fair Credit Reporting Act (15 U.S.C. 1681i). Calvary Portfolio Services was legally required to respond within 30 days of receiving my dispute.\n\nIt has now been well over 30 days since confirmed delivery, and I have received no response, no investigation results, and no verification or documentation from Calvary Portfolio Services or their attorney. Their failure to respond within the required timeframe is a violation of the Fair Credit Reporting Act.\n\nI am requesting that this unverified account be deleted from all consumer reporting agencies XXXX XXXX XXXX XXXX), and that the CFPB review Calvary Portfolio Services for noncompliance with FCRA standards.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
There are missing payments made that don't show and late payments shown on the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion is inaccurately reporting a dismissed bankruptcy that was never filed or adjudicated by the Arizona court. 
This record has already been deleted by XXXX XXXX and XXXX. 
Despite documented proof and my formal deletion demand dated XX/XX/year>, TransUnion continues to publish this unverifiable item. 
This violates FCRA 605 ( a ) and 611 and Arizona 44-1693. 
I request immediate deletion and written confirmation of compliance.

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 2025-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX, TransUnion and XXXX XXXX XXXX has failed to Preform a reasonable investigation into the XXXX XXXX XXXX accounts on their respective credit reports in accordance with 15 U.S.C.1681s-2 ( b ), and 15U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Before me, the undersigned authority, appeared who being first duly sworn, says that XXXX, TransUnion and XXXX XXXX XXXX has failed to provide Proof of Ownership : Bill of Sale or Assignment Contract. False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Account Validation Request RE : Inaccurate Reporting/Deceptive Reporting Practices RE : Notification of Legal Proceedings Identifiers : XXXX XXXX XXXX XXXX XXXX Number XXXX XXXX  Partial Account Number : XXXX. 
XXXX  Partial Account Number XXXX XXXX XXXX  Based on : XXXX  Report Number : XXXX dated XX/XX/year> XXXX  Report Number : XXXX dated XX/XX/year> Account Verification Letter dated XX/XX/year> CFPB Case Number : XXXX Written Notification / CFPB Complaints : CFPB Complain Number : XXXXTransunion CFPB Complain Number : XXXX CFPB Complain Number : 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 non-monetary relief