vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute resolutions and to request reimbursement under the current settlement. Despite multiple reports of unauthorized or fraudulent activity on my account, both my financial institution and Zelle failed to investigate or resolve my claims adequately.

I was informed that recovering my lost funds was not possible and that tracking these transactions was unfeasible. This response reflects the very shortcomings highlighted by the CFPB and ongoing litigation, which have shown that Zelles dispute process has not sufficiently protected consumers. 

I believe that Zelle and its partner banks have neglected their duty to safeguard users from fraud and unauthorized transactions, allowing repeat offenders to exploit the system and leaving customers like me financially harmed. 

I respectfully request that my losses be reviewed and reimbursed under the terms of the settlement. Supporting documentation, including transaction records and prior correspondence with my bank, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Company : Nelnet Product : Federal student loan Issue : Account access and incorrect loan balance Complaint : I am having ongoing issues with my Nelnet student loan account. I believe my loan balance may be incorrect, and I have been unable to verify it properly because I can not access my account online. 

When I call Nelnet by phone, I can verify my identity successfully using my Social Security number, date of birth, and other personal information. However, when I try to log in online, I receive repeated error messages. 

I have tried resetting my password multiple times, but the system gives me an error and then says my account is not recognized. When I attempt to create a new account, the website tells me an account already exists. This loop has continued for an extended period and prevents me from reviewing my balance or account details. 

I have contacted Nelnet customer service multiple times about this issue, but it remains unresolved. It is extremely frustrating and has prevented me from properly monitoring my student loan account and verifying whether the balance being reported is accurate. 

Requested resolution : Restore my full and secure access to my online account Verify and confirm the accuracy of my current loan balance in writing Provide a clear explanation of any changes or adjustments that have affected my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, I attempted to obtain the remaining balance from a closed checking account with Chase Bank. 

After the account was closed, I was informed that a final balance check would be issued. However, despite waiting for several weeks, no check or payment has been received. A later statement from the bank appeared to show that a check was made out, but nothing was ever delivered or deposited. 

I contacted Chase Bank requesting clarification and documentation regarding the checkspecifically when and where it was mailed or processedand asked that a replacement check be sent through expedited delivery. 

To date, the issue remains unresolved. I am requesting that Chase provide documentation of the original check and reissue the funds promptly. 

The total amount in dispute is {$4800.00}, covering the period from XX/XX/year>, through XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
Educational Credit Management Corp is withholding money they have received on behalf of my loans including payments made through a loan default rehabilitation payment plan. They have the payments but have not processed the payments and continue to keep the loans open even though they've been paid off. I have opened cases pertaining to the unprocessed payments and upon checking the the statuses found that the cases were closed without any kind of communication. The most recent case that was closed without any notices was XX/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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
date XX/XX/year> amount XXXX reporting to my credit report this is reporting wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have had issues with Experian in the past regarding inaccurate information about my personal name on my credit report account. 
Last time I did contact CFPB regarding Experian handling of my personal information by adding inaccurate names in which has no affiliation nor connected to me. 
Again I go on the website and see another inaccurate information under my personal profile name of person I am not nor have ever had such name on my credit report account. 
I will enclose the information screenshot I got from their website. 
Name they have on my profile personal credit account is XXXX XXXX XXXX XXXX. 
Name ID # XXXX Thats what I saw on their website. 
That is inaccurate I have no affiliation with XXXX in my name. 
My Full Name Is XXXX XXXX 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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I applied for an American Express card with a {$250.00} welcome offer after {$3000.00} in spending. 
In XX/XX/year> I made two purchases totaling about {$4000.00}. A XXXX refund posted shortly after, reducing net spend below {$3000.00}. On XX/XX/XXXX, Amex credited my account {$250.00} for meeting the offer, confirming qualification. 
Months later, Amex reversed that credit, saying the refund lowered my spend. I had relied on the posted {$250.00} as confirmation that I had met the terms.

This sequence was misleading Amexs system awarded the bonus, creating a reasonable expectation I qualified. I contacted customer service, a supervisor, and retention ; all confirmed policy but offered no resolution. 
I am requesting reinstatement of the {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MO

Complaint narrative:
I exited my apartment at XXXX XXXX XXXX XXXX XXXX due to hazardous living conditions XXXX and XXXX from pets in the building consistently being left in common areas, rain and snow leaking into window causing significant damage to personal items, just to name a couple and general failure of company to hold up their end of the lease agreement. It was a clean break when I left the apartments. I recently received mail saying that XXXX XXXX has referred a debt of {$3300.00} to ProCollect Incorporated. The letter is threatening that failure to pay will impair my ability to obtain employment or apartment rental elsewhere in the future. I have never been made aware of standing debt with XXXX XXXX, and I know that none exists.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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 2025-10-14 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: TX

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries FCRA 604 ( a ) Dear Experian, I am contacting you to request the removal of unauthorized hard inquiries that have appeared on my Experian credit file. I never provided consent for these credit checks, and therefore they are not compliant with the Fair Credit Reporting Act ( FCRA ).

In accordance with FCRA Section 604 ( a ), a credit reporting agency must have explicit authorization or a legitimate business purpose initiated by the consumer. I never initiated these applications and did not authorize these entities to access my credit. 

Please investigate and remove the following inquiries from my Experian report : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these unauthorized inquiries within XXXX  days and send me an updated copy of my Experian credit report after the 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 2025-10-14 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: IL

Complaint narrative:
On or around XX/XX/XXXX, I submitted formal disputes under the Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) ) to Experian, Equifax, and TransUnion concerning inaccurate and unverifiable information reported on my credit files. These disputes included multiple tradelines and inquiries that were either inconsistent across bureaus, unverifiable, or reported in violation of FCRA accuracy standards. 

Despite providing a detailed dispute and supporting evidence, including an FTC Complaint ( ID : XXXX ), the credit bureaus verified several accounts without supplying competent documentation or proof of liability. The bureaus failed to provide any original account applications, billing statements, or delinquency records as required for proper verification under FCRA 609. 

Accounts in dispute include XX/XX/XXXXXXXX XXXX Reported both as Charged off as bad debt and Unpaid balance reported as a loss, which are contradictory statuses that violate FCRA 1681e ( b ). 

XX/XX/XXXX Reported as Charged off, with conflicting balances and statuses across the three bureausXX/XX/XXXXr Contains unsupported derogatory information and inconsistent reporting between agencies. 

XX/XX/XXXXXXXX and XXXX XXXX XXXX Late payments were reported without verified documentation or original records. 

XX/XX/XXXX Unauthorized or unverifiable inquiries from XXXX ( XX/XX/XXXXXX/XX/XXXX were not confirmed to have a permissible purpose under FCRA 1681b. 

All three credit bureaus failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ). The responses were limited to generic verified outcomes with no evidence or verification documents provided. These unresolved inaccuracies continue to harm my creditworthiness and misrepresent my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
On or around XX/XX/XXXX, I submitted formal disputes under the Fair Credit Reporting Act ( FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ) ) to Experian, Equifax, and TransUnion concerning inaccurate and unverifiable information reported on my credit files. These disputes included multiple tradelines and inquiries that were either inconsistent across bureaus, unverifiable, or reported in violation of FCRA accuracy standards. 

Despite providing a detailed dispute and supporting evidence, including an FTC Complaint ( ID : XXXX ), the credit bureaus verified several accounts without supplying competent documentation or proof of liability. The bureaus failed to provide any original account applications, billing statements, or delinquency records as required for proper verification under FCRA 609. 

Accounts in dispute include XX/XX/XXXXXXXX XXXX Reported both as Charged off as bad debt and Unpaid balance reported as a loss, which are contradictory statuses that violate FCRA 1681e ( b ). 

XX/XX/XXXX Reported as Charged off, with conflicting balances and statuses across the three bureausXX/XX/XXXXr Contains unsupported derogatory information and inconsistent reporting between agencies. 

XX/XX/XXXXXXXX and XXXX XXXX XXXX Late payments were reported without verified documentation or original records. 

XX/XX/XXXX Unauthorized or unverifiable inquiries from XXXX ( XX/XX/XXXXXX/XX/XXXX were not confirmed to have a permissible purpose under FCRA 1681b. 

All three credit bureaus failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ). The responses were limited to generic verified outcomes with no evidence or verification documents provided. These unresolved inaccuracies continue to harm my creditworthiness and misrepresent my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: RI

Complaint narrative:
Upon reviewing my consumer report, I noticed late payment entries on an account ending in XXXX ( listed as XXXX XXXX XXXX  ). This information is incorrect. I have never missed any payments on this account, and the remaining balance was paid in full. 

Consumer reporting agencies are required to ensure all information is accurate and verifiable. I am requesting a full investigation into these discrepancies and ask that you provide proof, such as account statements or payment records, demonstrating the alleged late payments. 

If you are unable to verify these late payments with supporting evidence, please remove this account from my TransUnion report immediately. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX Resurgent/LVNV funding LLC XXXX XXXX XXXX XXXX, SC XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number. 2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Resurgent/LVNV funding LLC has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company.

5. The * * date Resurgent/LVNV funding LLC acquired the debt * *, and from whom. 
6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting.

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
Complaint against XXXX XXXX XXXX. I have highlighted the dates in yellow on my credit report. It says Date open of said credit account is XXXX But then it says first delinquency date is XXXX how can there be a delinquency before an open date.? Included copy

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 2025-10-14 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: VA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: World Acceptance Corporation
State: TN

Complaint narrative:
Cease and Desist Notice Account # XXXX Dear World Finance Corporation, This is a formal demand that you cease all further communication regarding the above account.

You are hereby notified under 15 U.S.C. 1692c ( c ) that any continued attempts to contact me will constitute a violation of the Fair Debt Collection Practices Act.

If this debt was sold or transferred, please provide the name and address of the current holder along with complete validation of the account. Otherwise, update all reporting agencies to remove this invalid item.

Failure to comply may result in legal and regulatory action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief