vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate information furnished by Nelnet to XXXX  concerning my federal student loan accounts. Nelnet reported my accounts as 90 days past due for both XXXX and XX/XX/. This information is false and contradicts both Nelnets verbal statements to me and their obligations under federal law. 

My Income-Driven Repayment ( IDR ) application was received by Nelnet on XX/XX/. Under federal student loan servicing rules, receipt of an IDR application places the account into administrative forbearance for the entire review period. During administrative forbearance, no payment is required and no delinquency may be reported. 

Throughout XX/XX/, my online account dashboard reflected a {$0.00} past-due balance, and I had a payment scheduled for XX/XX/, which successfully processed. Despite this, Nelnet furnished data to XXXX  on XX/XX/ indicating that my account was 90 days delinquent. 

On XX/XX/, a Nelnet representative informed me that my account was reported as being in good standing for XXXX. This statement contradicts the delinquency reporting Nelnet supplied to XXXX. XXXX  has confirmed this inconsistency and also confirmed that they possess all supporting documentation I previously provided showing my account was not delinquent. 

Nelnets reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) and the Higher Education Acts requirements regarding notice and accuracy in credit reporting. I am requesting that the Consumer Financial Protection Bureau require Nelnet to correct this false reporting and provide a full explanation of how and why this inaccurate information was furnished to XXXX. 

Attachments Provided : Attachment 1 : Loan Information showing {$0.00} past due balance in XX/XX/2025 Attachment 2 : Proof of payment processed on XX/XX/2025 Attachment 3 : Confirmation that IDR application was received on XXXX XXXX XXXX Attachment 4 : XXXX  report screenshot showing delinquency furnished by Nelnet Attachment 5 : XXXX report screenshot showing delinquency furnished by Nelnet Attachment 6 : Screenshot showing lack of email communication from Nelnet ( XXXX ) Attachment 7 : Screenshot showing lack of email communication from Nelnet ( XXXX ) Attachment 8 : CFPB Complaint Narrative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
The details currently listed do not fully or correctly reflect my financial behavior, leading to a misrepresentation of my record. I request that you initiate a formal investigation and correct the information accordingly.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received a notice from Wells Fargo stating that my credit limit had been reduced from {$18000.00} to {$15000.00} without advance notice. I have been a long-time customer with a consistent on-time payment history. 

I called Wells Fargo to understand why the limit was reduced and whether it could be reversed. The first representative told me she could not reverse the decision, stated it was computer-generated, and said the only way to request reinstatement was to authorize a new credit inquiry. She did not provide specific reasons for the reduction. She then transferred me to the department that processes credit limit increase requests. 

The second representative did not provide any further explanation about why the reduction occurred. She only asked whether I wanted to proceed with the credit increase request and submitted it after I said yes. 

The written notice I received did not include clear or specific adverse action reason codes as required under the Equal Credit Opportunity Act ( ECOA ). The credit score factors included in the letter came from the credit bureau and did not explain Wells Fargos internal decision. As a result, I was not given complete or understandable information about why the credit limit reduction occurred. 

Because my limit was lowered to an amount close to my existing balance, my credit utilization increased abruptly, which may negatively impact my credit despite having a positive payment history.

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 2025-12-03 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: GA

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 explanation
Consumer complaint received 2025-12-03 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: GA

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 explanation
Consumer complaint received 2025-12-03 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: OH

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
this account does not report to the other credit bureaus and does not have any payment history and it just appeared on my Transunion report, Transunion blocked the same account before under a different name but same inaccurate information

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 2025-12-03 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries listed on my TransUnion credit report. I believe these accounts have been reported inaccurately, and I respectfully request that they be investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts and inquiries : 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 Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I received a billing statement for a credit card that I didnt apply for I reported it as fraud to them they sent info that stated I needed to complete attached affidavit but it wasnt enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
In a time of desperation I applied for a small personal loan online through XXXX and I was given {$1000.00} on XX/XX/XXXX. My understanding of the loan terms was I would pay {$480.00} starting XX/XX/XXXX and the same amount the following month and the remaining amount the month after. I saw the first two payments get automatically taken from my bank account on XX/XX/XXXX and XX/XX/XXXX, {$480.00} each. Then to my surprise another payment of {$480.00} was taken from my bank account on XX/XX/XXXX. I thought it was an error so I looked through my emails only to find an amortization schedule showing payments of {$480.00} being paid every month with the last payment scheduled for XX/XX/XXXX. I immediately pulled up the loan agreement to see they had given me a loan with an interest rate of 525.03 %. Understanding that this was predatory lending I looked into the lender to find they are not licensed to do business in California. They claim to be a tribal lender but do business by several different names like XXXX XXXX, Benhti Economic XXXX XXXX, Tolvana Financial, XXXX XXXX, and others. This lender is robbing people like me and claiming exemption from interest rate laws because they are associated with a federally recognized tribe even though theyre not the tribe themselves. The state of Washington won a lawsuit against this entity for this deceptive and illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing, and I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 Payments : Equifax ( EQ ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth-Third Bank charges an egregious amount for overdraft fees. They charge {$35.00} dollars per transaction up to 3 a day for an overdrawn account. That would be a total of {$110.00} per day that the account is overdrawn. I had an overdraft of XXXX cents and they charged me {$35.00} dollars for this. That is an rate of 4,400 % for a single day the account was overdrafted. Then due to a couple of larger bills my account became around {$200.00} overdrafted. Then Fifth-Third hits me with {$100.00} in overdraft fees bringing the negative balance to over {$310.00} despite the fact that my account was only {$200.00} overdrawn. That is a 50 % increase in the amount due. I believe that this policy is predatory and meant to keep people poor. I also have compared rates online and Fifth-Third is one of the highest out there. They do not care about their customers livelihood and only about making a quick buck off of people who are already struggling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: AR

Complaint narrative:
The company first contacted me in XXXX. I tore off their little slip, checked the box to dispute the debt, and attached my own letter requesting 1. The name and address of the original creditor. 2. The date of service ( s ) and itemized charges. 3. A copy of the original billing statement. 4. Proof that they are authorized to collect this debt. 5. The full chain of ownership if the debt has been sold or transferred. I went on to request that they cease all collection activity until this debt has been properly validated and that all future communications regarding the matter be conducted via mail, as requested. XX/XX/XXXX at XXXXXXXX XXXX  one of their representatives called me and proceeded to try to collect the debt. I informed her I had sent them a debt validation request letter. She said they hadn't received it. Only when I informed her I had sent it certified and it showed picked up, was she magically able to find it in their system. I proceeded to tell her all further communications should be via mail only and then I hung up. I just received another collection letter, though it is dated for XX/XX/XXXXXXXX XXXX XXXX  13 days after they've picked up my debt validation request letter. This one is exactly the same as the first, with the same slip to detach and boxes to checkmark, if I'd like to dispute the debt... which I've obviously already done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

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