vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing a delinquency reported by Nelnet that is inaccurate due to a servicing transfer error. My federal student loans were previously serviced by Great Lakes and then transferred to XXXX. I received formal notice of the transfer to XXXX and made payments to XXXX accordingly. 

At NO time did I receive notice that NELNET was also servicing any portion of my loans. I did not receive : XXXX. A Notice of Servicing Transfer to Nelnet, and XXXX. A Notice of Delinquency prior to credit reporting. 

Under the Higher Education Act 20 U.S.C. 1080 and related servicing transfer rules, servicers are required to provide written notification when servicing responsibility changes. Nelnet has not provided documentation proving that I was notified. 

The delinquency resulted from a lack of servicing transfer notice, not failure to pay. Once I discovered the Nelnet account in 2025, I immediately paid the balance. 

I attempted to dispute with them and based on their response it was EVIDENT that they did not even bother to ready my letter. Their response had nothing to do with the letter I wrote them. 

I am requesting that Nelnet : - Correct the delinquency, OR - Remove the negative reporting entirely, as it is the result of a servicer failure to notify the borrower, not borrower nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 writing to dispute the following accounts that appear inaccurately on my credit report. These accounts include both charged-off accounts and inquiries that need to be reviewed and corrected. The details are as follows : Charged Off Accounts : XXXX  Account Number : XXXX Account XXXX : XX/XX/year> Balance : {$0.00} Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
My last XXXX transfers with Western Union have been late, and actually I believe it's XXXX. XXXX was due on XX/XX/XXXX and the other on XX/XX/XXXX. Right now it is XX/XX/XXXX, and my money has still not arrived. The agents seem to be unable to do anything about it. They also regularly send XXXX different delivery dates. They sent the delivery date for the XX/XX/XXXX on the XXXX as it had previously been the XXXX. The agents at XXXX are also terrible. Today XX/XX/XXXX, I spoke with XXXX, he did everything he could to end the chat early and not help at all. I asked for a supervisor and he closed the chat. The next guy had a poor command of XXXX. That's another thing, why are these companies outsourcing financial service jobs to people who don't understand American business and especially American financial business or law? It prolongs things and is frustrating to deal with. So much for bringing jobs back to Americans. And certainly there are jobs that foreigners can do for XXXX but transfer services should not be XXXX of them. I also finally spoke to someone claiming to be supervisor named XXXX. Guess what they did to help... Nothing. And my money still is not here. This is an ongoing problem. I filed a complaint directly with XXXX and they never followed up on it. Their delivery dates are erratic, and it's a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an item listed on my credit report. After reviewing my credit report, I noticed that the account referenced below is inaccurately being reported as charged off every month, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX Account Number : XXXX BANK XXXX XXXX Account Number : XXXX According to the FCRA, an account can only be charged off once, and it should not reflect multiple charge-offs on my credit report. This repeated reporting misrepresents my credit history and undermines my financial standing. 

I kindly request that you investigate this matter and correct the inaccuracies. Please provide me with written confirmation of your findings and any actions taken to resolve this dispute. Enclosed are copies of my credit report highlighting the disputed account, along with any other relevant documentation. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-11-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX the My pay feature through Chime app took the {$40.00} from my direct deposit to pay it back and did not give me the option to advance the {$40.00} back like usual. I tried to talk to the company but they said there was nothing they could do about it and that each direct deposit has to be over {$200.00} for the my pay feature. I expressed that when you sign up for Chime membership plus and you are reading all the direct deposit details, no where in the details does it say each direct deposit you have to make over {$200.00} or the my pay feature is XXXX. That was not clear in none of the fine print and their response did not make any sense because my last direct deposit was not over {$200.00} and I paid the advance back and the feature still worked and let me advance the payment again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am submitting this complaint because I am currently working to correct inaccurate and unverifiable information being reported on my credit reports. I have attempted to resolve these issues directly with the credit bureaus and data furnishers, but the accounts continue to appear incorrectly. I am requesting that the Consumer Financial Protection Bureau assist in having these matters properly investigated and resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 


XXXX. Charged-Off Account : Creditor : XXXX XXXX Account Number : XXXX Date Listed : XX/XX/year> Remarks : I am disputing the accuracy and validity of this charged-off account. Please provide verification or remove it from my report. 

XXXX. Late Payment : Creditor : XXXX Account Number : XXXX Remarks : The late payment reporting appears incorrect. I request evidence of the alleged delinquency or removal if unverifiable. 

XXXX. Inquiries : No inquiries to dispute at this time. 

XXXX. Positive Account : Creditor : XXXX XXXX Remarks : Please ensure this positive account remains accurately reflected.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am an active-duty servicemember who was XXXX from XXXX through XX/XX/year>. During this period of military service, and through no willful neglect, I inadvertently failed to set up automatic payments on my credit accounts. As a direct result of my XXXX obligations, late fees were assessed and negative information was reported to the consumer XXXX XXXX XXXX. 

Upon returning from XXXX on or around XX/XX/year>, I promptly invoked my rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3XXXX, with Discover Financial Services. My account has yet to be retroactively adjusted to my active-duty start date, consistent with SCRA-mandated backdating XXXX. I was subsequently notified that my account was permanently closed on XX/XX/year>, even though I had already provided written notice of my active-duty status via XXXX Mail on XX/XX/XXXX, XXXX satisfies the SCRAs requirement for providing a creditor written notice and a copy of military orders. 

Under the SCRA, creditors are explicitly prohibited from taking adverse actionssuch as account closures, penalty assessments, or negative credit reportingsolely due to a servicemembers inability to meet financial obligations arising from military service. The XXXX was designed to protect servicemembers from precisely this type of punitive action when their military duties materially affect their ability to manage civilian financial responsibilities. My XXXX significantly limited my ability to receive, review, and respond to mail or creditor communications in a timely manner, and I acted diligently upon my return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing the following accounts that are inaccurately reported on my credit report. I believe there are errors in the reporting of these accounts under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute. 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
CFPB XXXX XXXX Bridge Crest XXXX XXXX XXXX I am submitting this complaint regarding Bridge Crest XXXX, which I believe engaged in unfair and deceptive lending practices. 

For XXXX years, I made monthly payments of {$660.00}, yet almost all payments went toward interest, leaving a remaining balance of over {$25000.00}. 

The lender failed to clearly explain how the interest would prevent my principal from decreasing. 

I am requesting the CFPB 's assistance to investigate this lender and provide relief, including adjustment of my loan balance or refund of excessive interest. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City, XXXX, ZIP : XXXX, WI XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Name : Bridge Crest Finance Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : XXXX Website : www.bridgecrest.com Auto Loan / Lending / Unfair or Deceptive Practices I am reporting unfair and deceptive lending practices by Bridge Crest XXXX. 

For XXXX years, I have made consistent monthly payments of {$660.00}, yet almost all payments went toward interest, leaving a remaining balance of over {$25000.00}. 

The lender did not clearly explain how interest would impact the principal, causing significant financial hardship. 

I request the CFPB 's assistance to investigate this lender and provide relief, including adjustment of my loan balance or refund of excessive interest. 

Loan Details : - Loan Start Date : XX/XX/XXXX - Monthly Payment : {$660.00} - Remaining Balance : $ XXXX Actions Taken So Far - Contacted Bridge Crest Finance, but the issue remains unresolved. 
- Collected all loan statements, payment history, and correspondence. 

XXXX XXXX - XXXX from unfair interest charges- XXXX of loan balance or refund of excessive interest - CFPB investigation to prevent similar practices from affecting other consumers. 

Attachments XXXX XXXX Statements - XX/XX/XXXX- XX/XX/XXXX : Monthly statements showing payments and allocation to interest vs. principal. 

XXXX. XXXX XXXX - XXXX showing all payments made, dates, amounts, and remaining balance. 

XXXX. Correspondence with Lender - Emails, letters, or notes from calls with Bridge Crest XXXX regarding balance, interest, and repayment issues. 

XXXX. Supporting Notes / Documentation - Notes explaining financial hardship caused by high-interest payments. 

Note : All documents clearly show that most of my payments went toward interest, leaving a principal balance of over {$25000.00} after XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing the following accounts reported on my Experian credit report due to inaccurate and incomplete information, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). I request an investigation into the discrepancies and for the necessary corrections to be made. 

CHARGED OFF ACCOUNTS Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX 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 : {$9900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} CAPITAL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXT Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$24000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Madison Auto, LLC
State: PA

Complaint narrative:
This account was sold to ARRA FINANCE LLC and this bank XXXX XXXX is still sending me noticed to pay them the debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS ( EQ ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
My contract with XXXX was signed on XX/XX/year>. XXXX 's parent company, XXXX XXXX XXXX, filed for XXXX XXXX  bankruptcy on XX/XX/year>. Under federal bankruptcy law, specifically 11 U.S.C. 362 ( Automatic Stay ), creditors may not add post-petition fees, interest, or other charges to prepetition accounts. Despite this, my account has been charged late fees/interest after XX/XX/year>, and these fees are being reported to my credit report, which is violation of the bankruptcy automatic stay and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Per FSA they sent a letter to Mohela stating the remaining balance was forgiven in XX/XX/XXXX. Please check your records as I have a recorded phone conversation with FSA stating that the remaining balance was forgiven and that my consolidation included loans from XXXX XXXX. The remaining balance left with Mohela is {$5400.00} which was consolidated with my original loans that were forgiven in XXXX thus ALL loans are forgiven and I should have a XXXX balance. Attached is the consolidation application as proof. Per XXXX XXXX ( XXXX vs XXXX ), my remaining balance needs to be forgiven immediately.

Company response to consumer: Untimely response