vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
My Bluebird account balance of approximately {$13000.00} has been restricted and withheld by American Express without a clear legal justification. 
XXXX XXXX XXXX I have contacted customer support multiple times but have not received a specific reason, timeline, or resolution. The funds are from legitimate business activity, there is no fraud, no chargebacks, and no misuse of the account. 

This situation has caused significant financial hardship. I am requesting immediate release of my funds or issuance of a check for the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> - I attempted to activate a {$100.00} prepaid XXXX gift card issued by the U.S. Bank National Association. I was told it had already been spent, submitted a dispute resolution, which was resolved in my favor, and mailed a replacement card. 
XX/XX/year> - I attempted to activate the replacement card both on the phone ( XXXX ) and online ( prepaidgiftbalance.com ) and was unsuccessful. I spoke with a representative on the phone who agreed to send another replacement card. 
XX/XX/year> - I attempted to active the new replacement card both on the phone ( XXXX ) and online ( prepaidgiftbalance.com ) and was unsuccessful. Numerous online reviews have pointed to similar issues that have never been resolved successfully by the company, with warnings such as " this company is a scam '' and " total fraud ''. I believe I have exhausted all my options working with the company directly, which is why I am filing this complaint at the CFPB and may potentially pursue a claim in small claims court.

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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I submitted a Borrower Defense to Repayment application on XX/XX/year> related to my enrollment at XXXX  XXXX XXXX XXXX, XXXX, which later closed. 

Nearly three years have passed and I have never received an approval, denial, request for additional documentation, or status update. My federal student loans remain active and continue to be reported on my credit report despite the pending Borrower Defense claim. 

My application was submitted prior to XX/XX/year>, making it subject to the Sweet v. Cardona settlement, which requires timely adjudication and relief when deadlines are missed. 

Additionally, when I recently attempted to submit feedback and request assistance through the StudentAid.gov portal, I received a system error stating that feedback could not be submitted. This prevented me from completing the request online. 

I am requesting that the Department of Education : Immediately review and adjudicate my Borrower Defense application Grant appropriate relief, including full discharge of the applicable loans Cease collection activity during review Correct or remove all negative credit reporting associated with these loans I am filing this complaint due to unreasonable delay, lack of response, and continued reporting of disputed federal student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One is willfully violating the Truth in Lending Act ( TILA ) and the FCRA. 
On XX/XX/XXXX, I sent a formal dispute ( XXXX XXXX : XXXX ) regarding illegal late payments from XXXX to XX/XX/XXXX. To prevent " verification '' excuses, I included my Drivers License and a Utility Bill. Capital One received this and has completely ignored me. 

The Violations : TILA 21-Day Rule ( 15 U.S.C. 1666b ) : Creditors can not report a payment as late unless the bill was delivered 21 days before the due date. Capital One has failed to produce the electronic metadata logs proving these statements were sent on time. 

Failure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Ignoring a verified dispute is a federal violation. Capital One is maintaining a " delinquency cycle '' caused by their own failure to provide billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NEXA Mortgage, LLC
State: NC

Complaint narrative:
XXXX XXXX Licensed Loan Officer ( NMLS # XXXX ) NEXA Mortgage ( NMLS # XXXX ) Email : XXXX Phone : XXXX This men play with me i keep XXXX months for getting the loan and he said we get approved for fha Then later he applay for usda and he said we approved And i told him please everything good because we have closing after 5 days he said everything cool Then he call me before 2 or 3 days he said we have problems with usda and we didn't get approved yet And the seller get mad at me and we lose the house I pay checks for XXXX and XXXX XXXX XXXX the company Also pay for appraisal and inspection And credit report And i lose all the money seriously And this men didn't care about anything Anyway i will take him to court soon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : No late payments listed for TransUnion.

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 2025-12-28 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:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as outlined below. I request that the respective credit bureaus investigate and correct the discrepancies as they may be affecting my credit score and financial standing. 

Charged Off Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} Inquiries : XXXX  Date : XX/XX/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
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain inquiries listed on my credit report. Below, I have provided the details of the inquiries in question, separated by bureau : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : ProCollect Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days.

Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA. 
Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights. 
Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported.

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken. 
Thank you for your prompt attention to this matter.

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 2025-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Late Payments : DEPTEDXXXX  Account Number : XXXXXXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX Previous Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-12-28 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX XX/XX/year> -- {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have two accounts with Concora credit they have been charging me {$99.00} annual fee on both accounts and then taking out a monthly fee and calling and get a annual fee every month on both accounts as well effectively double dipping when when I brought it to their attention. They barred me from accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$55.00}

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 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: MN

Complaint narrative:
I co-signed for someone that stopped making payments and the car was reposessed and sold. Remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint because my consumer rights have been violated under the Fair Credit Reporting Act ( FCRA ). I have identified multiple accounts and personal data being reported without my express authorization or verifiable consent, which is a violation of 15 U.S. Code 1681b. Specifically, I am disputing the following accounts : XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXXXXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX with {$5000.00} balance ), XXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX  with {$0.00} balance ), and XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my previous efforts, the credit bureaus have used stall tactics to avoid their legal obligations, even claiming official documents were " not acceptable ''. I have now generated an updated Official FTC Identity Theft Report, reference number XXXX, to support my demand for an immediate fraud block. Pursuant to 15 U.S.C. 1681c-2, you are required to block this information within 4 business days. I request the CFPB to intervene and ensure these unauthorized accounts are deleted and my personal information is corrected to reflect only my legal name XXXX XXXX and my current address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Re : Complaint Against XXXX XXXX Failure to Provide Proof of Payer Identity for XXXX Court-Ordered Student Loan Payments Dear Sir or Madam : I am submitting this complaint regarding XXXX XXXX refusal to provide documentation establishing the identity of the individual who made court-ordered student loan payments on my behalf during calendar year XXXX. 
A Judgment of Dissolution of Marriage was entered in XX/XX/XXXX, which ordered my former husband, XXXX XXXX XXXX, to pay the balance of my XXXX  school student loans that accrued while I completed XXXX school. Due to noncompliance, I filed a Motion for Contempt on XX/XX/XXXX. That matter was resolved by a written settlement agreement executed on XX/XX/XXXX, in which XXXX XXXX agreed to pay the substantial majority of my remaining XXXX  school loan balances. 
XXXX XXXX made payments pursuant to this settlement for several years, including throughout XXXX. His final payment was made in XXXX, after which payments ceased. 
The sole purpose of my request to XXXX XXXX is not to dispute how payments were applied or credited to any loan account. Rather, I am seeking objective proof that XXXX XXXX XXXX was the person who made the payments during XXXX, which is necessary for enforcement of a court order and settlement agreement. 
I FIRST CONTACTED XXXX XXXX THE WEEKOF XX/XX/XXXX. I WAS INFORMED THAT THIS REQUEST HAD TO GO TO A SUPERVISOR. THE REQUEST WAS SUPPOSEDLY SUBMITTED TO THE SUPERVISOR AT THAT TIME. HOWEVER, I HAVE CALLED ONCE PER WEEK THROUGH THE WEEK OF XX/XX/XXXX AND EACH TIME I AM ADVISED THAT IT IS STILL WITH THE SUPERVISORY DEPARTMENT AND THEY WILL ONCE AGAIN ESCALATE THE REQUEST. I AM CURRENTLY INVOLVED IN COURT CASE AND THIS INFORMATION HAS BEEN REQUESTED BY THE JUDGE.

Company response to consumer: Closed with explanation