vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have been charged interest on loans for which I was told that I was not being charged interest. 

On XX/XX/XXXX a payment was processed on my account. At this time I should have had {$0.00} in unpaid interest and I had a balance of a little under $ XXXX. Shortly thereafter I applied to be placed in the XXXX Program. 

On XX/XX/XXXX I received notice my request was being considered. 

On XX/XX/XXXX a document was added to my account and emailed to me, dated XX/XX/XXXX stating that my interest rate was 0 % due to XXXX  being under federal review. 

On XX/XX/XXXX I called Aidvantage to confirm my status in Administrative Deferment with an interest rate of 0 %. I was told this was correct. The call lasted 13.5 minutes. I specifically asked about the 0 % interest rate and it was confirmed by Aidvantage staff.

I recently began paying again and noticed that my balance was {$280.00} higher than expected. I used the Contact Us feature to ask why and have subsequently been told that I was charged interest until XX/XX/XXXX despite having been told twice that my interest rate was 0 % as of XX/XX/XXXX. I calculate that if I was charged interest from XX/XX/XXXX ( last payment ) until XX/XX/XXXX ( notice of 0 % interest ), I would owe around {$100.00} at 6.55 % interest. 

I have tried to explain this to Aidvantage twice. Both times they simply referred me to the XX/XX/XXXX notice while completely ignoring the XX/XX/XXXX notice and phone call with them in XXXX. 

I was notified twice that my interest rate was 0 % as of XX/XX/XXXX, in writing and by phone. I want that honored and approximately {$170.00} removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute one or more unauthorized transactions on my account that have not been properly investigated or resolved. Despite providing evidence that I did not authorize these charges, I was informed that the transactions were deemed valid. I strongly disagree with this outcome and believe that my rights under the Electronic Funds Transfer Act ( EFTA ) and Regulation E have not been honored. 

Please provide a detailed explanation of your investigation process on XX/XX/year> of {$700.00} and the reason for your conclusion. I am requesting a full re-investigation of the disputed transactions. If this matter is not addressed promptly and fairly, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

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 2025-08-01 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 disputed inaccuracies of information on my Experian report but Experian has failed to correct them and do a reasonable investigation

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 2025-08-02 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I applied for a XXXX XXXX XXXXXXXX that offered a bonus of XXXX bonus points from this link : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not complete the application when I first started it and logged back in later with the application number to complete it. I was not instantly approved due to a fraud alert on my experian report. I was called the next day to confirm my identity and that I did apply for the card. The day I received the card there was no information with it about the bonus offer so I phoned and talked to a Banker ( XXXX ). I explained the above to her and she said she was adding the bonus promotion to my account. About a week later I checked the account on line and could not find it. I called again and spoke to a Banker who said she can not see promotional offers on accounts and can not add one either. She said I can log into my account and go to the transaction screen and at the top of that page is an icon I can click to see the progress made in spending to reach the bonus requirement. I logged in and went to the transaction page and their is no icon to click which indicate to me the bonus promotion is not on my account. If it is, please fix the transaction page with the icon so I can track my progress. If it is not please active it as XXXX told me she was doing the day I received the card. Thanks for you assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: MI

Complaint narrative:
On XX/XX/scrub>/2025, I received a letter from checkr, written by XXXX XXXX, telling me to get the correct information from the ckerk and give it to checkr. 
This statement from checkr is XXXX  inconsistent with their duty to report accurately, which requires them to ascertain the correctness of what they report. ( see, attached letter below ) Your request ( XXXX ) has been updated as shown below. To add additional comments, reply to this email. 

Hi XXXX, Thank you for contacting us regarding your background check report. 

On XX/XX/scrub> 2025, you submitted a dispute regarding your report. We reviewed the information you provided, but will not be making any changes to the report at this time. 

We previously reinvestigated this same dispute based on the same information from you. Based on that prior reinvestigation, we have already confirmed the accuracy and completeness of your report the information we are reporting comes directly from the current public record. 

The information you provided is not related to the disputed item in the report and does not put the accuracy or completeness of that item into question.

To conduct any further reinvestigation, we will need additional information or documentation explaining why the disputed record is inaccurate or incomplete. You may, for example, reach out to the relevant clerk of courts to obtain documentation that supports your dispute. You can provide that information to us by directly responding to this email.

Please note that if you are in the process of expunging or dismissing a particular record, the court records will not reflect an expungement or dismissal until after your request for modification has been granted. 

Kind Regards, Candidate Portal|Customer Dashboard|Help Center [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
b'cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Credit Acceptance submitted a Notice of Default and Requirement of Strict Compliance dated XX/XX/XXXX, claiming I had failed to make payments and owed {$1000.00} due by XX/XX/XXXX. This notice is inaccurate and misleading. I have attached payment history records showing multiple payments made throughout XXXX, including a final processed payment on XX/XX/XXXX. 

This proves that the default notice was either based on false information or created retroactively to fabricate a justification for repossession. XXXX also claims to have sent a Notice of Intent to Sell Property dated XX/XX/XXXX, stating the vehicle would be sold after XX/XX/XXXX. However, I never received this notice and no proof of delivery ( e.g., certified mail, tracking number, or signed receipt ) has been provided. Because of this, I was denied my right to redeem the vehicle or bid on it which violates UCC 9-611 and 9-614, which require reasonable authenticated notice and full disclosure regarding the sale of repossessed property. 

XXXX is currently reporting a {$13000.00} deficiency balance to the credit bureaus. This amount appears to be inflated and based on fabricated or unverified events, including a repossession I was not lawfully notified about. 

This conduct may violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and state UCC laws.

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 2025-08-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX To : TransUnion LLC Dispute Department Subject : Formal Dispute of Inaccurate Payment History under FCRA To Whom It May Concern : I am writing to formally dispute, yet again, inaccurate information being reported on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my credit report, I noticed that my XXXX XXXX XXXX XXXX Credit Card account opened XX/XX/XXXX is reporting a missed payment, which is inaccurate and damaging to my otherwise good credit history. I have never missed a payment on this account, and I have reached out to both XXXX XXXX and your agency to have this resolved, but the error remains uncorrected. Furthermore, the reported missed payment appears to be inconsistent across all three credit bureaus, appearing in different months. I have both XXXX and XXXX reported and they both are inaccurate. 

This constitutes a violation of the FCRA under the following sections : - Section 607 ( b ) Your agency is required to maintain maximum possible accuracy in reporting consumer information.

- Section 611 ( a ) Upon notification of a dispute, you are required to conduct a reasonable reinvestigation and delete or correct any information that is found to be inaccurate or unverifiable.

- Section 623 ( b ) The furnisher ( XXXX XXXX ) is also required to investigate and report the results back to you and to the consumer within the statutory timeframe. 

I am requesting that this error be fully investigated, and either corrected to reflect a perfect payment history or permanently removed from my credit file if it can not be verified with 100 % accuracy. 

Please find enclosed a copy of my government-issued ID, and copies of my credit reports highlighting the error. 

If you are unable to verify the accuracy of this information upon receipt, the disputed entry must be deleted from my credit report under the FCRA. 

Please send me written confirmation of the correction or removal of the inaccurate payment history from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX SSN : 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the 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 2025-08-02 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: TX

Complaint narrative:
I dispute the reported late payment, as it does not reflect my actual payment behavior. I ask that you correct this issue at your earliest convenience.

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 2025-08-01 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:
These accounts are not mine, and I have reason to believe they are the result of fraudulent actions. Please perform a full investigation and remove them from my credit report. Documents are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to WELLS FARGO 's online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing a {$190.00} collection account reported by JEFFERSON CAPITAL SYSTEM, originally tied to XXXX XXXX. The original XXXX account ( Account # XXXX ) was opened on XX/XX/XXXX and has been marked in collection since XX/XX/XXXX. However, I did not open, authorize, or use any XXXX service in or after XXXX. 
Despite this, Jefferson Capital began reporting a new collection account ( Account # XXXX ) in XX/XX/XXXX with the same {$190.00} balance which appears to be a case of re-aging old debt. This practice is not only deceptive but also potentially violates the Fair Credit Reporting Act ( FCRA ), as it resets the delinquency date to keep the account on my credit report longer. 

I disputed the Jefferson Capital account through Experian on XX/XX/XXXX ( Report # : XXXX ). However, they closed the dispute and claimed the account is accurate, without providing any proof of a new or valid debt from XXXX. 

I believe XXXX misrepresented the accounts age, and Jefferson Capital is reporting it inaccurately as a new XXXX debt. I have never reopened the XXXX account nor approved any transfer of new debt. This is harmful to my credit report and misleading to future lenders. 
I request that the CFPB investigate Jefferson Capital and XXXX  for re-aging this account, and direct them to delete this erroneous item from my credit report. 

I have attached screenshots showing : XXXX. XXXX original account history from XXXX. 
2. Jefferson Capitals re-aged reporting from XXXX. 
XXXX. XXXX dispute denial notice dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX, On Friday XX/XX/year>, I opened my Experian credit app. As I was reviewing my credit report I noticed another account from Sofi ( account XXXX ) had {$500.00} in funds. I never was aware of those funds. If so, I would had transferred it that same day. I decided to get help from a Sofi Rep, and unfortunately they were all dumbfounded and confused. Even one Rep, mentioned I lost those funds. After written messages they provided me with a number, I can call to get this resolved.Unfortunately once again, I was left confuse with no help Or support. The weird part is that I have that old debit card linked to my XXXX XXXX  which is XXXX XXXX. Well technically Im assuming that card correlates to that account. Anyways if I can see those funds sitting there why XXXX cant easily withdraw them to another bank Im more comfortable with. I need my money back I was a victim up XXXX XXXX,, and Im still recuperating and those funds will extremely be helpful for bills since I had to leave my construction job due to my XXXX. Well, once again, I hope somebody reach to me soon upon this urgent matter. 
Very much appreciated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.this affects my everyday life and affecting my lively hood

Company response to consumer: Closed with explanation