vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Over the last three years as I tried to finish my degree and get in some balance, I received the XXXX  forgiveness which took about 6 months to finish. I still work at a XXXX XXXX XXXX and XXXX year 10. So my XXXX and PSLF should be finishing off my major loans so instead of paying a lower balance, due to the last two administrations my rates have tripled. I am also owed the XXXX settlement. I know for a fact that if I receive the settlement, it would take care of the final 28 months of PSLF on my loans and make me whole. However both Nelnet, XXXX, XXXX XXXX  and Student Aid. Gov keep telling me to call and they will help but I am in a vicious cycle of call and be put on hold. Presently I have applications still in the system but being told I need to repay but cant because of everything above. Furthermore, I really want to pay but if I served my time in a XXXX XXXX XXXX and according to the XXXX situation and all my qualifying payments. Then 90 % of my loans should be forgiven. I do not mind paying the last 10 % but no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery Services is attempting to collect on an ambulance bill from XX/XX/XXXX that my insurance provider has already settled in full. My Explanation of Benefits ( EOB ), dated XX/XX/XXXX, clearly shows that the claim was processed, adjusted, and that I owe {$0.00}. 

Despite this, Express Recovery Services has continued collection attempts, including sending me verification letters that ignore the insurance settlement and list inflated amounts with added fees.

At this point, I consider these actions an attempt to collect a debt not owed. If the collection attempts do not stop immediately, I will pursue legal action under the Fair Debt Collection Practices Act.

I request that Express Recovery Services cease all collection efforts, close this account, and confirm that no further collection or credit reporting will occur. 

Supporting documentation ( EOB ) is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Company : AidVantage Product : Federal Student Loan Servicing Issue : Improper billing / refusal to suspend payments during discharge request Complaint : I submitted a formal loan discharge request under 34 C.F.R. 685.215 ( False Certification/Identity Theft ) and 34 C.F.R. 685.222 ( Borrower Defense to Repayment ).

While my discharge application is pending, Aidvantage has continued to bill me, require payments, and report negatively to credit bureaus. Department of Education procedures require loans under discharge review to be placed in administrative forbearance with billing and collection suspended until a decision is made. 

I have already sent AidVantage a written Payment Suspension Notice, demanding : Suspension of billing and required payments ; Placement of my loans in administrative forbearance ; Suspension of adverse credit reporting. 

XXXX has a documented history of credit reporting errors and mishandling borrower accounts, confirmed by Senate investigators and ongoing litigation. These systemic failures make immediate oversight necessary. 

I request that the CFPB ensure AidVantage Stops billing and collections immediately while my discharge request is under review ; Places my account in proper administrative forbearance status ; Corrects any negative or duplicate credit reporting linked to my loans. 

I am attaching supporting documents, including my discharge request, payment suspension notice, and evidence of Aidvantages errors.

Desired Resolution : Immediate suspension of payments, correction of credit reporting, and confirmation of forbearance status while the Department of Education reviews my discharge claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MO

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I been telling Acima i have no clue who they are that i owed them money for something i purchased i dont know what it is plus they informed me go on line to XXXX to explain but theres no such thing. My identity was stolen and i dont no what to do and Acima keeps harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint to formally document my efforts in seeking debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have made formal requests for validation of debt to all creditors and debt collectors listed on my credit reports including American Express. These requests were submitted in writing and followed the guidelines set forth by the FDCPA in XXXX of 2024. Sever subsequent letters followed approximately 30 days after the previous letters. 

Despite my efforts, I did not receive ANY validation or supporting documentation in response to these requests. In many cases, I received no response at all. In addition, I submitted disputes to all three major credit reporting agenciesXXXX XXXX XXXX XXXXinforming them of the lack of validation and requesting investigation and removal of unverified entries. However, along with American Express, the credit bureaus have not cooperated, and the disputed items remain on my reports without any indication that proper investigation or validation has been performed. I believe this constitutes a failure to comply with federal consumer protection laws by both the furnishers of information and the credit reporting agencies. I am requesting your assistance in ensuring these matters are properly investigated and that unvalidated or unverified information is removed from my credit reports as required by law. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In 2017, I financed a vehicle through Regional Acceptance Corporation at an extremely high interest rate and with excessive fees. Despite years of payments, I still owe approximately {$19000.00} on a vehicle now worth only {$2900.00}, leaving me with severe negative equity. My required monthly payment of {$440.00} is unaffordable given my income and essential living expenses. I believe these loan terms are unfair and predatory, and I am requesting CFPB review and intervention to require a reasonable loan modification.

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 2025-09-02 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX - the inquiry was not authorized.

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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
My account was closed three weeks ago and I had {$500.00} I still in the account. Ive been asking. Im going back-and-forth with Cash App for the last three weeks of how to transfer my funds to a different account. They keep on telling me the link that link of debit card to that account the debit card I had to that account I closed it because my checking account had got hacked so I cant link the previous card that was linked to my Cash App. They keep on telling me theyre gon na escalate my car to my complaint that theres no managers on that. They will email me and then email me is the same thing over and over and over they wont help me get my money off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: OH

Complaint narrative:
Subject : Dispute of Inaccurate Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of the account reported by XXXX XXXX XXXXXXXX on my TransUnion, Experian, and Equifax credit report. Neither XXXX XXXX XXXX nor TransUnion, Experian, and Equifax provided me with the disclosures required under federal law prior to reporting this account. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies must conduct a reasonable investigation of disputed information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing specific information regarding the debt before taking collection action. 

I further note that verification under the FCRA requires attestation or certification of accuracy, as recognized in Rosengarten v. McDonald ( Case No. 14-1256, 2015 ), and this standard has not been met in this instance. 

I request that TransUnion, Experian, and Equifax and XXXX XXXX  XXXX provide proper verification of this debt, including the documentation used to report it, or remove the account from my consumer report. 

Please find attached copies of my government-issued identification and proof of residency to verify my identity. 

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ive already filed a complaint with you, XXXX and Chime has denied my dispute for the third time each time is three days before they are to provide a temporary credit to the account making start the process and the wait times for receiving the credit, knowing that I am a senior in SSDI and cant my rent, now a second unauthorized and unrecognized transaction has taken place this time stealing {$790.00} out of my checking account after I placed the funds into my savings account I thought to prevent this from happening now Im {$1200.00} in the hole because of Chimes incompetence with protecting members accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XXXX XX/XX/year> Credit Bureau Name : XXXX XXXX XXXX XXXX Re : Request for Investigation & Deletion of Inaccurate Collection Entry To Whom It May Concern, I am formally disputing the accuracy of the above-referenced account listed on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 2 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( a ) ( 7 ), I request that you conduct a full investigation into this entry. 

The collection account is inaccurate, unverifiable, and misleading. I have requested validation from the debt collector, and unless they can provide verified documentation, you are legally required to delete this entry. 
As required by FCRA 611, please investigate this matter within 30 days and provide me with written results of your findings. If the furnisher of information can not verify the accuracy of the account, you must promptly remove it from my credit report. 
Please also send me an updated copy of my credit report once the investigation is complete. 

Thank you for your cooperation. 

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is using an exculpatory clause in their checking account agreement to deny my claim for fraud and forgery made by a 3rd party. I've given them all the documentation including a Police Report. But Citi is using a 30 day fraud reporting requirement when statement mailing already takes 7-10 mailing days. There is no online access created on this account. Paper statements were mailed. I believe Citi was hacked and my information was released.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation