vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Saint Services LLC
State: CA

Complaint narrative:
Complaint Against Credit Saint I am filing a complaint against

Credit Saint, a credit repair company, for charging me significant amounts of money while failing to provide the services they advertised, refusing to communicate with me, and failing to respond to my requests for documentation.

Summary of the Issue I hired Credit Saint for credit repair services. Over the course of six months, they charged me multiple fees but did not provide satisfactory or meaningful service. Throughout my time as a customer, Credit Saint consistently failed to communicate, failed to provide updates, and failed to demonstrate any progress on my credit file. 

Despite my repeated attempts to reach them and express my concerns, the company did not improve their service, did not provide clear information, and ultimately stopped responding entirely.

Service Failures Credit Saint did not deliver what they advertised. Specifically : They did not provide updates about any items being removed or addressed on my credit reports.

They did not communicate what work was being performed.

They ignored multiple attempts I made to ask for progress or clarification.

They only responded to my complaints by temporarily lowering my monthly fee twice but the service itself did not improve.

They did not provide documentation or proof of any actual credit repair activity. 

Because of these failures, I believe the service was misrepresented and did not meet the standards of what a paying customer should expect. 

Charges Made by XXXX XXXX XXXX XXXX charged me the following amounts : XX/XX/year> {$190.00} ( startup fee ) XX/XX/year> {$130.00} XX/XX/year> {$79.00} XX/XX/year> {$79.00} XX/XX/year> {$79.00} XX/XX/year> {$79.00} XX/XX/year> {$130.00} These charges total {$790.00} for six months of service that I believe was never delivered as promised. 

Failure to Provide Records On XX/XX/year>, I emailed Credit Saint requesting : All account records Activity logs Copies of letters or disputes they supposedly sent Documentation of work performed My billing history Any communication records As of now, they have not responded at all, which raises concerns about their business practices and transparency.

Impact on Me Because Credit Saint did not perform the services they promised : I paid nearly {$800.00} for little to no service.

My credit was not improved or worked on in any measurable way. 
I was unable to obtain documentation needed for my dispute with my bank. 
Their refusal to communicate left me without any support or explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was receiving lots of emails and mail from capital one saying that my credit report was being ran and some of my information was leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Summary of Issue I am disputing an auto loan tradeline reported by XXXX XXXX XXXX. The company is furnishing inaccurate, contradictory, and misleading information that can not be verified. 
Key Facts from Recorded Calls On XX/XX/XXXX, two XXXX XXXX representatives ( XXXX and XXXX XXXX confirmed that the reported balance of {$39000.00} could be settled for {$7900.00} with a deadline of XX/XX/XXXX. 
Both calls confirm my account remains under the wrong name ( XXXX XXXX ) although my legal name is XXXX XXXX. 
Representative XXXX stated verbatim that XXXX XXXX never took possession of the vehicle after it was damaged on XX/XX/XXXX, and that the company decided not to pick it up. 
Despite this admission, the company continues to report a large open balance and offer settlements on that same amount. 
Violations FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or should be known to be inaccurate.

FCRA 623 ( b ) Failure to conduct a reasonable investigation.

FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

FDCPA 807 ( 8 ) Communicating false credit information and failing to mark the account as disputed.

UCC 9-611 and 9-616 No required Notice of Disposition or Deficiency Explanation.

Tennessee Consumer Protection Act 47-18-104 Unfair or deceptive business practice.

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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing inaccurate and incomplete information on my credit report. I recently discovered that a student loan account has been marked as XXXX  days late. This reporting is incorrect due to a servicing and notification error over which I had no control. 
Here is the issue : While withdrawing from college in XX/XX/XXXX, I was explicitly told in person by my academic adviser that I would not owe anything and no further payments were required. 


I was never informed that a second student loan existed with a separate loan servicer. 


I did not receive any billing statements, notifications, emails, mailed letters, phone calls, or warnings about delinquency for this account. 


The first and only notice I ever received appeared after the account was already reported 180 days past due. 


This failure to notify violates required disclosure and communication standards for student loan servicing. 


Because I was never properly informed of the loan, its balance, its due dates, or its status, I could not possibly make payments. The delinquency is therefore a result of loan servicer error, not borrower negligence. 
I am requesting that the late payments and delinquency for this account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) due to incomplete and unverifiable information. 
Please investigate and delete the inaccurate late payment history for this account. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, please help me with the citi bank. They are treating me in a very unprofessional and badly manner. I attached an email I received from them, they wanted me to send documents. It was showing that I have 30 days since I received the email. But when I called they told me that actually my due date is on XX/XX/XXXX, which is less than 30 days since the email. They didn't give me extra time to send document and told me to use overnight mail. This is my tracking XXXX from US mail showing that it was delivered before the XX/XX/XXXX due date, keep in mind that I should have had more time according to the email they have sent me, than the XX/XX/XXXX. I even called them and asked to put a note that the document is delivered. Then they closed my card and told me that we closed it because we reviewed document after XX/XX/XXXX. This is absolutely vile and unprofessional way to treat a customer. They received document on time and didn't reviewed it on time and they tell me it's my fault. They send me email on XX/XX/XXXX meaning that I should have had 30 days from XX/XX/XXXX, but they gave me time only before XX/XX/XXXX. So I am sure someone intentionally affected my account so it would be closed. They don't give me full 30 days from the email date, they close card even when I send document. Please help me I am desperate, they can't do tactics like this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Federal Credit Union seized funds from my savings account using a right-of-offset, even though the money was education-designated tuition funds for my minor daughter. 

On the XXXX of XXXX I made a request like Ive done before to having to pull money from my minor daughters education account. We are required by Navy federal to send a message stating the amount and the account to deposit the funds. Nowhere does it tell you that the money must be deposited into a minors account. The minor is a XXXX year old. Before the deposit was made, I sent Navy Federal a secure message informing them that the incoming funds were specifically for my daughters school tuition. Navy Federal requires incoming transfers to be deposited into my savings account, so I followed their instructions and deposited the money accordingly just like I did in XXXX. 

Despite receiving written notice of the purpose of the funds, Navy Federal took the entire amount and applied it to an old charged-off account. These funds were not general spending funds they were designated for a minor childs education. 

When I contacted Navy Federal on the XXXX of XXXX via phone as well as message, they stated that the offset was allowed because the funds were deposited into my savings account instead of an account owned by the minor. They never disclosed this supposed requirement at any point before the offset, nor does Navy Federal allow deposits from outside education accounts to be made directly into a minors account. I deposited the funds exactly as Navy Federal requires.

Navy Federal is now providing an explanation after the fact that was not disclosed beforehand, despite having written documentation from me clearly stating the purpose-of-funds as tuition for my daughter. This failure to provide proper disclosure, combined with the seizure of designated education funds for a minor child, is unfair and deceptive. 

In XXXX XXXX, after the phone conversation, Navy Federal then sent me a generic response quoting standard negative-balance disclosures, which did not address my actual issue and ignored my previous written notice. They also falsely claimed that a one-time deposit can not be reversed, which is incorrect. Their response avoided the actual issue and did not investigate the purpose-of-funds.

I am requesting CFPB assistance to have Navy Federal return the seized education funds so they can be used for the intended tuition expenses. I can provide the secure message showing prior notice, the education account withdrawal proof, and the deposit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am disputing multiple items on my Equifax credit report as they are inaccurate or incomplete. Please investigate the following accounts : Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$560.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$350.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$93.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX I request that Equifax verify these accounts with the original creditors and correct or remove any inaccuracies. Any account or inquiry not properly verified should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXXXXXX 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 2025-11-13 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Since XX/XX/year> Ive been trying to get XXXX removed from my credit reports. It is NOT MINE I DID NOT open it. I have filed multiple disputes with all 3 credit companies and only XXXX responded and removed it. Experian and Transunion fail to investigate this fraud. Ive provided a case number XXXX Ive provide screen shots over 3 years. 

Heres their investigation process : Hey does this guy owe you money? 

Yes. 

Okay. Case closed. 

Why did you close my case?? 

They said it was yours. 


Also XXXX LIED!!! They said they havent sold this debt.then why do I keep getting calls from other collectors??

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
Good day. I can not emphasize enough how distressing and overwhelming this situation has been for me. I woke up one day to find a collection account on my record for a debt I do not recognize, do not owe, and have never authorized. This unverified account has led to repeated and harassing contact through multiple channels, including threats of legal action that no consumer should ever be subjected to without basis. As a law-abiding individual, it is unacceptable to see my rights violated in such a blatant manner. The stress from this issue has taken a serious toll on my mental health and has caused several nights of lost sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/year>, I made a payment to a merchant ( XXXX XXXX ) for a specific service totaling {$800.00}. The merchant failed to provide the service. I filed a dispute with Wells Fargo regarding the non-delivery. 

On XX/XX/year>, Wells Fargo denied the claim, stating only that the transaction was authorized. The denial ignored the actual basis of my dispute the merchants failure to provide the promised service and misclassified it as an unauthorized transaction. Wells Fargo did not request evidence from the merchant, conduct a proper investigation, or escalate the claim to a compliance officer or senior representative.

I attempted to resolve this with Wells Fargo after receiving the denial. I requested that the dispute be reopened and investigated under the correct category ( service not received / merchant failed to provide service ), and that supporting documentation for the denial be provided. The representative only created a complaint about the complaint, which does not correct the mishandled dispute. 

XXXX XXXX actions failed to comply with Regulation E ( 12 CFR 1005.11 ), which requires a reasonable investigation of disputes involving goods or services not received. Because the bank closed the claim without addressing the substantive issue, I am now requesting assistance from the CFPB to ensure the dispute is properly investigated and resolved.

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 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
" Exclusively for you-get up to {$600.00} on us '' mailer was received in XX/XX/year> Front page of the mailer would advertise " Get up to {$600.00} for switching the banks '' followed by 2 paragraphs " LET 'S DO THE MATH '' explanation of what is required to " GET {$600.00} '' " GET {$300.00} When you open your first new personal Checking account, and set up and make a single direct deposit of {$1000.00} or more within 60 days. 
GET {$300.00} when you open your first new personal Savings account on the same date as you open your new personal Checking account. Then make monthly deposits of {$500.00} or more into the new savings account for 3 months in a row, starting the month after the accounts are opened. '' Both requirements were fulfilled, however only Checking account Bonus was paid.

When the requests for clarification was initiated with the Bank, on Two different occasions the Representatives were initially failed to provide accurate Information due to the Promotion Terms not being Clear and Conspicuous. 

Apparently, on the reverse side of the mailer in small print and up side down there is BALANCE Requirement to " To earn {$300.00} Savings bonus '' under the header " To Earn Bonus ''. 

The Requirement to have specific Savings Account Balance on Specific Date is not consistent with Deposits Requirement nor with normal practice of having Savings Account as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a house as well as getting a reliable car for my family. I am a single mother trying to create the best life for my son and I understand that it starts with me providing and maintaining a happy, healthy environment for him to thrive in. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief