vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 tiefficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. 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 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/year> XXXX XXXX charged my checking account for {$8800.00} and overdrafted the account. I contacted the bank to dispute the charge. Attempted to contact Navient however, there is no clear contact infomration found on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting a formal dispute and complaint against Capital One regarding an account that does not belong to me and appears to have been opened or tampered with as part of a domestic situation involving someone attempting to harm my credit. This is not a legitimate account under my name, and I have reason to believe it is connected to harassment or identity misuse by another individual. Please investigate this account for over thousands of dollars you will see that I am not the account owner. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have rights to : Accurate reporting : 15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. Dispute and deletion : 15 U.S.C. 1681i requires that disputed information be investigated and removed if unverifiable. Protection from harassment : 15 U.S.C. 1692d-e prohibits abusive, deceptive, or misleading collection practices. Despite these legal protections, Capital One has reported or allowed reporting of an account that is fraudulent or not authorized by me, negatively impacting my credit. This situation is exacerbated by the domestic context, as this appears to be part of an effort by another individual to damage my financial reputation. I am formally requesting the following actions : 1. Immediate investigation of the disputed account 2. Verification of the account and all related reporting 3. Deletion of the account from all credit reporting agencies if it can not be verified as legitimately mine 4. Written confirmation of the results of this investigation 5. Assurance that no further collection activity or negative reporting occurs related to this account This fraudulent activity has caused undue stress, and I am seeking full correction under federal law. Please treat this matter with urgency, as continued reporting of this account constitutes a violation of the FCRA and may also implicate abusive practices under the FDCPA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
On XX/XX/year>, a {$250.00} charge from XXXX HOUSE XXXX in XXXX XXXX, TX appeared on my account that I did not authorize. This charge occurred during the same time period as other fraudulent transactions on my account, including a separate charge from XXXX that was investigated and refunded by Wells Fargo. While Wells Fargo confirmed and resolved the other fraudulent charges, this {$250.00} transaction was not handled consistently and remains unresolved. I have contacted Wells Fargo and opened disputes regarding this charge XXXX separate times, but it has still not been properly investigated or refunded. This credit card account is part of a Bilt rewards card that I have been trying to close, but I have been unable to do so because this unresolved fraudulent charge remains on the account. I am continuing to be charged interest on this unauthorized transaction, which is causing ongoing financial harm. I did not authorize this transaction, have no relationship with this merchant, and it appears to be part of the same fraud incident as the other charges that were already confirmed. I am requesting that this charge be treated as fraud, refunded, any associated interest charges reversed, and that I be allowed to close the account.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I reached out to Net Credit to reseolve my account requesting a settlement amount. the XXXX amount was given on XX/XX/XXXX. On XX/XX/XXXX o called to make the payment amount of {$900.00} which was the settlement amount given. I was then told that my account would be removed from payment plans and the payment can not be taken due to an issue with VA loans at this time. I spoke with a manager whom I then requested a letter to explain why the funds could not be taken that day. I have yet to receive any information. I reached out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX twice and still was not able to close the account. I advised I needed to have the account closed as I am trying to purchase a home and its showing as a Negative account on my credit. I have yet to get an update as to Why i cant make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XX/XX/year>, the XXXX XXXX XXXX store in XXXX, MA, incorrectly processed a return as a purchase on my Comenity Bank credit card. This error created a false balance, leading to late fees and interest charges. I was under the impression the account was at a {$0.00} balance. Despite multiple attempts to resolve this with both the merchant and Comenity Bank, both parties refuse to take responsibility and keep directing me to the other. This unresolved error has caused a 100-point drop in my credit score, which forced me into a high-interest auto & mortgage loan. I am requesting a full reversal of fees and a correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Mohela did not respond to my previous complaint : XXXX Now, they've sent deliquency reports to credit bureaus on loans I do not owe that are in ACTIVE dispute. I consolidated by deadline for the XXXX adjustment to benefit from the highest number of payments. See complaint XXXX for those details. When I consolidated I agreed to an XXXX plan ( SAVE which is now not available ). I applied for XXXX in XX/XX/year> that is still " in review ''. Without being in an XXXX plan, pslf will not apply the previous payments from certified employment because I am not on the right repayment plan for eligibility. So, as such, the loan forgiveness LEGALLY UNDER XXXX is being obstructed. The guidance I get is to certify employment! No one will help me. So MOHELA is reporting negatively about me and I am being significantly harmed financially especially as these are loans I DO NOT OWE ANYMORE and consolidated under the advisement of Federal Student AID, The complaint should extend to the Department of Education and the Federal Student Aid program. This was grossly mishandled and allowing the servicing company who is making money off of loans to be in charge of forgiving/discharging them is an obvious conflict of interest.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I have contacted them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have responded with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SG and Associates
State: NC

Complaint narrative:
To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c and 1692g, I hereby dispute the validity of this debt. I request that you provide proper validation of the debt, including : The amount of the alleged debt The name of the original creditor Copies of any documents bearing my signature showing I agreed to this debt A complete payment history Until you provide the requested validation, you must cease collection efforts as required by law. Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all communication with me regarding this matter except as permitted by law. If you continue to contact me without providing proper validation, I will document all communications and consider filing complaints with the Consumer Financial Protection Bureau and my state Attorney General. This letter is not an acknowledgment of liability.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: LA

Complaint narrative:
I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. XXXX is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, XXXX failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear Metro 2 compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:1401 et seq. ) Despite multiple disputes and requests for validation, the company has failed to provide documentation such as original contracts, payment histories, or proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I previously held a personal loan with OneMain Financial ( account ending in XXXX ). Throughout the life of my loan, I never missed a payment. At some point, I engaged a credit recovery company to manage the account on my behalf, and the account was eventually settled. All payments were made on time. Despite this, OneMain Financial has reported my account as 120 days late on my credit report, which is inaccurate. I was never 120 days delinquent on this account. This false reporting is negatively impacting my credit score and my ability to obtain fair credit terms. I am requesting that OneMain Financial correct this inaccuracy and update my payment history to reflect that no late payments were made. I am also requesting removal of any derogatory marks associated with this account that do not accurately reflect my payment history. I have called OMF multiple times regarding this issue and no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 tiefficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. 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 2026-03-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 tiefficiency mely 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 I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Nelnet. In XX/XX/2025, I experienced a one-time missed payment due to a bank transition that interrupted my autopay setup. This was not an ongoing delinquency. However, Nelnet has reported multiple late payments across several loan groups, despite the fact that I make a single monthly payment that is allocated across these groups. This has resulted in multiple delinquency entries for what was a single missed payment event. Additionally, the reported delinquency date is inconsistent across credit reporting agencies, indicating that the information being furnished may not be accurate or properly verified. This reporting is misleading and does not accurately reflect my payment history. It has negatively impacted my credit due to what appears to be duplicated or improperly reported late payments. I am requesting that Nelnet : Investigate the accuracy of the reported late payments across all loan groups Correct the reporting to reflect a single late payment event, or remove the late payments entirely Ensure that all credit reporting is accurate and consistent across all credit bureaus I have already attempted to address this issue directly.I am seeking correction of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Acorns Grow Incorporated
State: IN

Complaint narrative:
I had numerous concerns with the security of the account eg, receiving calls and text messages from individuals claiming to represent Acorns asking for information about the account. This happened on XXXX occasions. Each time I contacted the financial institution. Each time I had to " change my password '' to ensure the security of the account. Since there were security concern about the account, I decided to liquidate the small amount I had in the account so that I could close it. I requested withdrawal of the funds on XX/XX/XXXX. I did not receive the funds from the account. I contacted them today XX/XX/XXXX and I got XXXX different answers from XXXX different representatives. XXXX claims the funds had been deposited in my checking account, XXXX I was connected with an individual who did not speak clearly enough to understand, and another who said the transaction was " in process '' I have no confidence in the legitimacy of this financial institution or that they had secured my account. I'm concerned that they are a bad actor in the movement of funds in the XXXX given the numerous times individuals were able to obtain my information to attempt to defraud me. It began to look as though this was not accidental or coincidental. I believe the financial institution requires scrutiny to determine the nature of their activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Universal Recovery Corporation
State: AR

Complaint narrative:
Contacted by XXXX at XXXX XXXX, treated to garnish wages. I advised to place on do not call list XX/XX/year> at XXXX pm. XXXX called again today XX/XX/year> at XXXX about the same debt and refused to accept that I asked them to place me on do not call list. Refused supervisor, claimed I am the supervisor. This is old medical debt and they refused to provide proof on previous other occasions I or XXXX XXXX had spoken with them. Some of these debts were paid off by churches in our area. XXXX hung up on me. Called back and spoke with XXXX XXXX XX/XX/year> XXXX and he accused me of fraud and that he couldnt talk to me because I am the wife of the debtor not the debtor and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 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: MD

Complaint narrative:
My payroll check gets deposited in my account every XXXX weeks, in my checking, which means, chime gets paid before the rest of it goes in my credit builder credit card, they are trying to take more money that I already paid XXXX times for XXXX, because they saying they saying they forgot to do it in XXXX, that's not my problem, they are causing me stress, grief and anxiety, because I have to pay current bills with my money, with something they saying they forgot in XXXX, that's very unprofessional and backwards. Already paid them, and trying to take more, using my dad XXXX check that gets deposited in my account because I'm his payee

Company response to consumer: Closed with explanation