vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing a late fee applied on XX/XX/XXXX by the XXXX Credit Card Company. I made a {$55.00} payment on XX/XX/XXXX before the statement issued on XX/XX/XXXX, and paid the full remaining balance on XX/XX/XXXX, before the due date. The company claims the first payment did not register because it was made before the statement, so my second payment was late. This is unjust, as the Credit CARD XXXX of XXXX requires payments to be credited when received ( 15 U.S.C. 1637 ( b ) ( 3 ) ) and prohibits penalizing customers for timely payments that reduce or satisfy the balance ( 15 U.S.C. 1666i ). I contacted the company to remove the fee, but they refused. I request CFPB assistance to have this improper late fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: FL

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Please record that my income comes from protected federal Social Security disability. These benefits are generally protected from garnishment to pay a debt owed to a private person or company. If this is transferred to another company, please send this along. Thank you. consider this a cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Last month out of the blue I received a letter from Nelnet and they said I was in default and had 30 days to settle up or else. The problem is? I do not know anything about these loans. Never received any mail from them until XXXX of 2025. As far as I know, I owe nothing. 

I have reached out to them 3 times asking for the below information : * Loan terms : SPECIFIC details about my specific loan, such as principal balance, interest rate, dates, school name ( s ) and loan history. Include a copy of all documents showing I agreed to these loans. 

* Repayment options : A list of available repayment plans ( including income-driven plans ), with information on how to enroll. 

* Payment information : Details on how to make payments, including my payment schedule and the correct address for mailing payments. 

* Deferment and forbearance : Information on how to apply for deferment or forbearance * Loan forgiveness and discharge : Details on eligibility for programs like Public Service Loan Forgiveness ( PSLF ) or other discharge options. 

* Loan consolidation : Information on how to consolidate multiple loans. 

* Account updates : How to update my personal information, such as your address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NE

Complaint narrative:
This is for Truist bank. I had an insurance payout for a car accident from my provider XXXX. I have a bank a account with them. For what ever reason XXXX sent it to an old bank account that I have not used in roughly 10 years, instead of the XXXX bank. 

I had to go through hoops to get access to my account at truist. Once I got access, I verified that my account received the funds, which it did. Truist would not wire that much money to the bank I use. So I had them close out the account on the XXXX of XXXX and was notified it would take 10 days for me to receive the check. 

On the XXXX of XXXX I called and they told me to wait a few more days. On XXXX of XXXX they told me the same thing. I believe on the XXXX, I find out they " sent '' the check to an old address, which I had removed and explicitly told them my new mailing address on the phone when closing my account. They cancelled that check and sent a new one to the correct address. 

Now on the XXXX of XXXX, the check has not arrived yet. I called again and asked for the manager. They asked for a moment to contact the person handling my case, and came to tell me they are not answering from their messaging system. The manager said they would call me back by the end of the day, XXXX XXXX. EST, to let me know if they got in contact or not. Which they failed to do. At this point I'm tired of them messing around. 

I've also reached out to the USPS and waiting to hear back from them.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
XX/XX/year> SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX RE : Formal Dispute of Debt & Request for Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as my formal notice that I dispute this debt in its entirety, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g, I request that you provide proper validation of the alleged debt, including but not limited to : 1.The name and address of the original creditor 2.A full itemized breakdown of the amount you claim I owe, including principal, interest, fees, and payments 3.A copy of the original signed contract or agreement bearing my signature 4.Proof that your agency has the legal right to collect this debt 5.A copy of the judgment, if applicable 6.The date of last activity and proof the debt is not time-barred Until you provide the above documentation : You must cease all collection efforts, including phone calls and written communications You may not report this alleged debt to credit reporting agencies If already reported, you must mark the account as disputed Please be advised that any continued collection activity without first providing proper validation is a violation of federal law. 

If you can not provide the requested documentation, you must immediately cease collection activity and remove any negative reporting related to this account. 

I request all future communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
Need to update my information on my credit report and background.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Need to update my information on my credit report and background.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a charge by XXXX which is an intermediary for XXXX dating app because the app banned my account twice and is shadowbanning me. Capital one turned my dispute down twice for " you didn't send us the requested documents, '' despite sending them twice. It looks like they are looking for an excuse to reject the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and several fraudulent accounts continue to be reported on my credit file despite multiple disputes, an FTC Identity Theft Report, and supporting documentation. The following accounts were opened without my authorization and must be removed under FCRA 605B and properly investigated under FCRA 611 : Fraudulent Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the credit bureaus with my FTC Identity Theft Report, government ID, proof of address, and identity-theft documentation. Despite this, they failed to remove the fraudulent accounts, failed to block the information under FCRA 605B, and did not provide a proper Method of Verification as required under FCRA 611 ( a ) ( 7 ). Instead, they continue to report and re-report inaccurate information that does not belong to me. 

This identity theft has severely harmed my credit, caused score drops, denied credit opportunities, and created ongoing financial and emotional distress. Credit bureaus and furnishers have not followed their legal obligations to block fraudulent information, investigate properly, or cease reinsertion of disputed items. 

I am requesting that the CFPB intervene to ensure the bureaus and furnishers remove these fraudulent accounts immediately, block them from any future reinsertion, and provide the full Method of Verification they claim to rely on. I also request investigation into the furnishers and bureaus failure to comply with FCRA 605B and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and several fraudulent accounts continue to be reported on my credit file despite multiple disputes, an FTC Identity Theft Report, and supporting documentation. The following accounts were opened without my authorization and must be removed under FCRA 605B and properly investigated under FCRA 611 : Fraudulent Accounts : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the credit bureaus with my FTC Identity Theft Report, government ID, proof of address, and identity-theft documentation. Despite this, they failed to remove the fraudulent accounts, failed to block the information under FCRA 605B, and did not provide a proper Method of Verification as required under FCRA 611 ( a ) ( 7 ). Instead, they continue to report and re-report inaccurate information that does not belong to me. 

This identity theft has severely harmed my credit, caused score drops, denied credit opportunities, and created ongoing financial and emotional distress. Credit bureaus and furnishers have not followed their legal obligations to block fraudulent information, investigate properly, or cease reinsertion of disputed items. 

I am requesting that the CFPB intervene to ensure the bureaus and furnishers remove these fraudulent accounts immediately, block them from any future reinsertion, and provide the full Method of Verification they claim to rely on. I also request investigation into the furnishers and bureaus failure to comply with FCRA 605B and 611.

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 2025-12-01 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 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: DriveTime
State: GA

Complaint narrative:
my information has been used to create fraudlent accounts and i'm needing the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
I owe about {$160000.00} dollars to Sallie Mae and an additional {$45000.00} to XXXX. These XXXX sums are not including my federal student loans, which is over {$110000.00}. My biggest issue is with Sallie Mae, as they are currently charging me on the XXXX and XXXX of every month. Each time they do so, they are asking me for about {$1300.00} and {$1600.00}, respectively. That is absolutely disgusting. I have called and spoken to countless people, I've done my research, and Sallie Mae offers absolutely no relief for anyone in my position. They are physically putting me in an impossible position because they don't have any income repayment options or anything. I have no choice but to pay some of them late because I physically DO NOT make enough money to have for both those payments alone. Both dates are within XXXX pay period for me, and I only just started my career and I'm only making about $ XXXX. I already spoke to the Massachusetts Attorney General 's Office and they directed me here for help. But I am so unbelievably desperate that I genuinely struggle to put it into the appropriate words. I have a co-signor on all my loans, including my Sallie Mae loans, and I can't even give them the chance to be relieved as a co-signor. In order to do so, I need at least 12 months of on-time payments, but as discussed previously, THEY ARE MAKING IT IMPOSSIBLE FOR ME TO DO SO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Please record that my income comes from protected federal Social Security XXXX. These benefits are generally protected from garnishment to pay a debt owed to a private person or company. If by chance this is transferred to another company would you please send this notice along thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-12-01 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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