vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX and XXXX of XXXX, my student loan autopayments through Nelnet failed unexpectedly, despite having been on uninterrupted autopay for years through my XXXX XXXX  account. 

For reasons still unknown to me, Nelnet failed to process those payments, and I received no email or external notification. The only notices were buried within Nelnets online platform which I could not access at the time due to a widespread technical outage on their end. I attempted to log in repeatedly through both their web and mobile platforms during that time, but the system consistently failed, including failed XXXX attempts. This issue was widespread and well-documented by many other borrowers ( see XXXX XXXX XXXX XXXX XXXX 

XXXX has no record of any attempted debits from Nelnet during those months, indicating the issue originated from Nelnets side. I made no changes to my autopay settings before, during, or after these failed payments. After XX/XX/year>, autopay resumed normally, and I have not missed a payment since nor had I missed any in the decade prior. 

I only became aware of the problem when reviewing my credit report and discovering two delinquent payments had been reported. Because this issue stemmed from a combination of Nelnet 's technical outage and failure to communicate through external channels, I believe the late payments were reported unfairly. 

I am requesting that these XXXX and XX/XX/year> delinquencies be removed from my credit report. 

I am also including copies of Nelnet 's internal notifications referencing the XXXX payment issues which, again, were only visible via the platform I was unable to access at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app randomly closed my account accusing me of XXXX  but I have never XXXX  before. There is no documentation of me XXXX, I asked my account to be reopen, and it has not been reopened. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo charged me multiple overdraft fees for paid items, totaling {$300.00} ( {$35.00} per fee ). I have been unemployed since XX/XX/XXXX, and explained my financial hardship to the bank. 

I already canceled many automatic payments to avoid overdrafts, and I have been using my savings to cover expenses. However, the overdraft fees of {$300.00} are more than I can manage now. When I contacted Wells Fargo, they told me they could not refund the charges because they had already given me a one-time courtesy refund in XX/XX/XXXX. 

My circumstances are different now, as I am unemployed and experiencing financial hardship. These repeated overdraft fees are creating a serious burden and making it harder to pay for essentials. I am requesting that Wells Fargo refund the {$300.00} in overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: FL

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 seven 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the reporting of a fraudulent account under my name. I have no association with this account, and I never authorized its creation or use. Its reporting is false and detrimental to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-08-20 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Why my payments are all different they say its insurance and taxes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OH

Complaint narrative:
I have been receiving harassing text messages asking for me to pay for a XXXX XXXX in 4 debt. I have never used XXXX XXXX in 4 and there's isn't any use of this on my XXXX account. 

The company 's name is XXXX XXXX DEBT Collector from XXXX XXXX XXXX. They have plenty of reviews from people stating that they have been scammed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO
State: IL

Complaint narrative:
I am submitting this letter as a formal Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ), the Fair Credit Reporting Act ( FCRA ), and the CARES Act provisions regarding forbearance reporting. This notice also serves as a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding unlawful and inaccurate servicing of my mortgage loan. 

Background In XX/XX/year>, I was approved for a VA forbearance due to temporary unemployment. 

Your representative explicitly informed me that no payments were due until XX/XX/year>, when normal servicing would resume. 

In XX/XX/year>, I contacted your office to confirm my re-employment and readiness to resume payments. I was instructed again to wait until XX/XX/year> to submit payment. 

Error in Credit Reporting Despite being in an active and approved VA forbearance, you have falsely reported my account as delinquent ( 120150 days late ) with a past-due balance of {$12000.00}. 

My credit reports ( XXXX XXXX XXXX  ) now reflect : Severe delinquency notations. 

A misleading comment stating : Paying under a partial payment agreement. 

This reporting is factually false and has caused substantial damage to my credit. 

Legal Violations CARES Act Violation ( Pub. L. 116-136, Sec. 4021 ) The law requires that accounts in forbearance due to XXXX or related hardship must be reported as current if they were current at the time the forbearance was granted. 

As of XX/XX/year>, I was in an active, approved VA forbearance and not delinquent. 

FCRA Violation ( 15 U.S.C. 1681s-2 ) Furnishers of credit information must ensure maximum possible accuracy. 

Reporting me as 120150 days delinquent while in forbearance is false, misleading, and damaging. 

RESPA Violation ( 12 U.S.C. 2605 ( e ) ) As my servicer, you are required to properly service the loan and correct servicing errors. 

Misrepresenting forbearance as delinquency constitutes a clear servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Transunion Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX FINANC XXXX INQUIRY ACCOUNT NAME : SYNCB XXXX INQUIRY ACCOUNT NAME : ELAN FINANC XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is 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 2025-08-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-20 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: CO

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX  - {$2000.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute this late payment as it contradicts my on-time payment history. I kindly ask for its removal and that my credit records be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I am submitting this complaint because Caine & Weiner has failed to follow through on a written agreement and is now contradicting its own prior response. 

On XX/XX/year>, Caine & Weiner responded to my initial CFPB complaint ( submitted on XX/XX/year> ) and stated in writing that : The account had been closed in their office They would no longer contact me They would request removal of the account from my credit reports They also stated that the removal could take up to XXXX days. 

However, as of XX/XX/year>, the account is still being reported on both Equifax and TransUnion, exceeding the XXXX window and violating their written commitment. 

In response to my follow-up complaint submitted on XX/XX/year>, Caine & Weiner XXXX their previous stance in a new reply dated XX/XX/year>, now stating that : They believe the reporting is accurate They will mark the account as disputed and send verification They no longer intend to remove the account as originally promised On XX/XX/year>, in their response to my XXXX complaint, they again avoided addressing the credit reporting issue entirelyonly repeating that the account is closed and that they would not contact me again. 

This contradictory behavior and refusal to honor their original written agreement is a potential violation of the Fair Credit Reporting Act ( FCRA ) and is negatively affecting my credit. 

I have attached documentation including : XXXX & Weiners original written response Recent credit reports showing the account is still being reported The latest company response contradicting their earlier promise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
After reviewing my credit reports, I have discovered information that leads me to believe I have been a victim of identity theft. There is an account listed in collections status from XXXX XXXX of XXXX, XXXX that I have no knowledge of. Please remove the inaccurate information from my credit report as this is violating my right to have a fair and accurate credit report under the Fair Credit Reporting Act and is harming my ability to obtain new credit products and services. Thank you for your time in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
These accounts are fraudulent and not associated with me in any form. I request their prompt removal and ask that a thorough investigation be conducted. Enclosed are supporting materials.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Closed my account at the XXXX XXXX XXXX  on XX/XX/year>. They told me they couldnt give me my remaining balance of {$280.00} but they could send me a check. 
The check never arrived even though I called and requested it XXXX  times. It is now late XXXX and I still dont have my money. I was told on the phone last night that they were not able to send me a check via phone call so I would have to go to the bank. Clearly they are trying to keep my money and earn interest off of it. Shame on bofa for taking money from hard working people with 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