vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: Central Research Inc
State: CO

Complaint narrative:
This is the email I tried to send Nelnet today after being told by all their systems I do not have an account with then despite it showing up on my credit report and ruining my credit. 


Dear Nelnet, I am writing to request immediate assistance resolving a confusing and concerning issue regarding my student loan account. 

I have recently attempted to access my account online and through your phone system, after finding out that you never notified me of my automatic payment stoppage. I keep receiving a message stating that no account exists under my information. However, I noticed on my credit statement that there is still a debt and you are tanking my credit from the XXXX to now high XXXX. 



This is completely unacceptable and I am considering retaining counsel due to your negligence in notification. This has left me unable to view, verify, or manage my account, and I am very concerned and more than a little frustrated about the status of my loan. 

Here are the details of my situation : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX Email Address : XXXX Mailing Address : [ Your Current Address ] Phone Number : [ Your Phone Number ] If Applicable : Previous Loan Servicer : [ e.g., Great Lakes or XXXX ] Nelnet Account Number ( if known ) : [ Optional or leave blank ] I have attempted to : Create an online account or log in, but I receive messages saying no account exists. 

Use the phone system, which also does not recognize my information and will not allow me past the first prompt as it says I do not have an account. 

Reset my login credentials, which sends me in a loop with no access. 

At this point, I can not determine what amount I owe, access my loans, or ensure that my account is in good standing. I am very concerned about potential missed payments, interest accrual, or credit issues that XXXX occur due to this technical/information error. 

Please review my account as soon as possible and advise on the steps needed to access it. If additional verification is required, I am happy to provide it. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CL Holdings LLC
State: FL

Complaint narrative:
I noticed a charge on my credit report that I did not authorize or recognize. I never applied for or opened this account, and I have no knowledge of the transaction in question. I immediately contacted the company to dispute the error and requested an investigation. Despite my efforts, including sending documentation to support my claim, the inaccurate information remains on my credit report. 

This has negatively affected my credit score and my ability to access fair financial opportunities. I am requesting that this inaccurate information be removed from my credit file and that my credit report be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing a XXXX late payment reported by Nelnet that I believe is inaccurate and caused by a failure of loan servicing. I contacted Nelnet on XX/XX/year>, and was told that they had both an incorrect email and phone number on file for me. They admitted that they had my correct mailing address, but never used it to notify me that my forbearance had ended or that payments were due. 

I never received a notice or billing statement, and yet they reported a XXXX delinquency, which has significantly damaged my credit. I requested a credit retraction and was verbally denied, but was not provided a supervisor, ticket number, or written correspondence. 

This has materially harmed my financial profile and violates the servicing obligations and reporting accuracy standards under the FCRA. I have already submitted a formal dispute to the Federal Student Aid Ombudsman ( XXXX # XXXX ) and am requesting the CFPB investigate and assist in removing this inaccurate late mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged a {$35.00} overdraft fee to my business account after I was explicitly told by a customer service representative that there would be no overdraft fee charged. This was made very clear to me on the phone. 

At the time, my account was - {$29.00} due to a disputed transaction. That amount should have been covered by a provisional credit, which I requested. Ive always received a temporary credit during previous disputes, but this time Wells Fargos claims department refused to give me oneand refused to give me a reason why. No one, not even the supervisors, could explain the denial. If I had been given the credit, I wouldnt have been charged the overdraft fee at all. 

When I escalated the issue to the XXXX office, I was connected to a rep named XXXX, who acted like she was part of some white-collar gang unit. Thats exactly how it feltlike she was there to protect her colleagues, especially XXXX I, not to help a customer. She refused to acknowledge the issue, wouldnt answer for the lies I was told by customer service, and made it obvious that no one inside Wells Fargo holds anyone accountable. Her entire attitude confirmed to me that the XXXX office is just a shield for bad behavior across the company. They cover for each other like any gang would. 

This entire experiencefrom the lies told by customer service, to the refusal to issue a provisional credit, to the stonewalling by XXXX in the XXXX officeproves that Wells Fargo is operating like an organized corruption, not a trustworthy bank. 

I will no longer be using this business account. Wells Fargo can keep charging whatever it wants.

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 2025-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/year> charged {$1.00} transaction fee. XX/XX/year> charged {$1.00} transaction fee. This was set up as an employee account with no to transfer funds after employment ended without incurring a service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always fulfilled my payment obligations on time, and this entry is clearly mistaken. I ask that it be rectified without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2 . XXXX  XXXX 3. 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 2025-07-15 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Professional Debt for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection account from all credit reporting agencies and cease any further collection efforts regarding this disputed debt. Please provide written confirmation of the actions taken in response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: MS

Complaint narrative:
I called on XX/XX/year> to get a deferral on my loan, told me to wait for 6 days. I waited 6 days and have been relentlessly calling to ask for it. On XX/XX/year> I finally got a hold of someone. They told me I have to make a payment. I said I couldnt. Ive been in the hospital with kids and I got XXXX XXXX. I have no money. She started laughing, and tried to continue being professional. I let her know that it was unprofessional to laugh and I hung up. 

No deferral was added to my account because of the unprofessional behavior at Global Lending Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
On XX/XX/year>, I deposited a check for {$200000.00} at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check was issued by XXXX XXXXXXXX XXXX XXXX XXXX. 

Upon deposit, Wells Fargo provided a receipt and hold schedule indicating : {$6400.00} would be available on XX/XX/year> The remaining {$190000.00} would be available on XX/XX/year> However, on XX/XX/year>, I received a Deposit Hold Alert from Wells Fargo notifying me that the remaining funds would now be held until XX/XX/year> due to the size of the deposit. 

On XX/XX/year>, I called Wells Fargo around XXXX PM to confirm whether the check had cleared and if the funds had been communicated from XXXX XXXX XXXX XXXX XXXX. The representative could not confirm this and to date, no one from Wells Fargo has provided confirmation that the funds were received or communicated to them. 

This has created an unnecessary and unexplained delay in accessing my funds. I verified separately with the issuing bank that the check was not flagged and not returned unpaid, but Wells Fargo continues to hold the funds through XX/XX/XXXX, without providing confirmation, resolution, or transparency. 

This is especially concerning because : The original release date was promised in writing. 

Regulation CC requires timely and transparent notification regarding funds availability. 

I still have not received confirmation of check clearance or a clear explanation for the extended hold.

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 2025-07-15 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief