vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: GLOBAL CREDIT UNION
State: IL

Complaint narrative:
My mother is hospitalized and unable to request her XXXX statements from Global Credit Union for a XXXXXXXX XXXX I called customer service yesterday and offered a valid Durable POA to obtain these statements, but their team insisted on additional notarized POA documents. 

I am in XXXX, and my mother is in XXXX My XXXX Durable POA authorizes me to handle her financial matters, and I should not face obstacles in obtaining these statements. Global Credit Union is obstructing my ability to provide my mother with necessary care by not accepting my valid POA and providing me the XXXX statements needed for her XXXXXXXX XXXX within 15 days. 

I would be satisfied if they would simply send this information to either the email or address on file for my mother. 

Please help me resolve this issue with Global Credit Union immediately. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am submitting this complaint because my federal student loan servicer, under the authority of the U.S. Department of Education, reported my loans as 60, 90, or 120 days delinquent to the credit reporting agencies. This occurred after XX/XX/year>, during the so-called " on-ramp '' period ( XXXX XXXX XXXX ), when the Department of Education explicitly stated that missed or late payments would not be reported as delinquent to credit bureaus.

I did not receive accurate or timely billing information, nor was I properly informed of my due dates or account status. In some cases, I was unable to access my account or reach my servicer for clarification. Despite this, my loans were still marked late, resulting in serious damage to my credit score. 

I believe this reporting is inaccurate and deceptive, and may be in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the CFPB investigate this issue and require the servicer and/or the Department of Education to : Remove all delinquency reports for this period from my credit file ; Correct any inaccuracies across all three major credit reporting agencies ; Ensure compliance with the Department 's own published guidance regarding the on-ramp protections. 

This situation has caused me financial and emotional harm, and I am requesting urgent intervention.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am submitting this complaint because my federal student loan servicer, under the authority of the U.S. Department of Education, reported my loans as XXXX, XXXX, or XXXX  days delinquent to the credit reporting agencies. This occurred after XX/XX/year>, during the so-called " XXXX '' period ( XXXX XXXX XXXX ), when the Department of Education explicitly stated that missed or late payments would not be reported as delinquent to credit bureaus. 

I did not receive accurate or timely billing information, nor was I properly informed of my due dates or account status. In some cases, I was unable to access my account or reach my servicer for clarification. Despite this, my loans were still marked late, resulting in serious damage to my credit score.

I believe this reporting is inaccurate and deceptive, and may be in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the CFPB investigate this issue and require the servicer and/or the Department of Education to : Remove all delinquency reports for this period from my credit file ; Correct any inaccuracies across all three major credit reporting agencies ; Ensure compliance with the Department 's own published guidance regarding the on-ramp protections. 

This situation has caused me financial and emotional harm, and I am requesting urgent intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-02 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 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Last year and this year I applied for a balanced transfer on the capital one app and last year on capital one website online. Both times I applied for the transfers at 0 % interest with a 15 months and a 3 % transfer fee. Last year I paid it off early, and this year in XXXX XXXX XXXX  I applied the same 0 % 15 months no interest and a 3 % transfer fee offered on there app. They stuck me with interest payments last year and this year.Theres only 2 offers and they said I picked the wrong offer last year and this year. They won't help with my complaint.I think they won't make any money on the 3 % no interest 15 month offer so they lie and put anyone else in the other offer. That's fraud and false off ers. Please help this isn't right!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name 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 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 XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-05-02 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: GA

Complaint narrative:
Please update and correct this information on my credit report. 

XXXXXXXX XXXX  Account # XXXX This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX XXXX  Account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Account # XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


XXXXXXXX XXXX  I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX Account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Account # XXXX I previously disputed this account with the credit bureaus and it was deleted from my XXXX  report but XXXX failed to perform an investigation and delete the disputed information. 

XXXX Account # XXXX account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
XXXXXXXX XXXX refuse to release overage from escrow. I asked that the overage of {$800.00} in my escrow to be released to me or applied to the late payment balance {$830.00}. Also I asked that my insurance be removed from escrow and Im currently paying my own home insurance, per the complaint of them not removing it in a previous complaint.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The bank closed my account after I made a mobile deposit on XX/XX/year>. Initially they froze it for XXXX hrs stating they were trying to verify it. Then the account was closed. I was told I would receive a check of the funds that were on the account. I called the bank XX/XX/year> to check the status of the closure. I was told that they closed the account XX/XX/year>. I asked about the funds being mailed and was told that the check wasnt verified. This was supposed to be dont late XXXX with the initial freezing of my account. I work for La XXXX XXXX which is for the city of XXXX XXXX. They want someone to reach out to them to verify the check. I gave the agent the direct number XXXX to the person who would verify the check and was told that the number didnt come up as a XXXX number. Even if the person were to call them they would call for that number which they claimed cant be used. I have them the number to XXXX XXXX XXXXXXXX and he said that after all of the prompts he was sent to an answering machine. After all of these failed attempts I am reaching out for help. This bank truly needs to be investigated for holding their customers money. Ive tried everything and have never had this issue with verification of a XXXX XXXX  workers comp check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-02 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A fraudulent transfer of {$610.00} from my Regions savings account was made by XXXX  transfer to XXXX XXXX  on XX/XX/XXXX. I subsequently filed a dispute for the transfer. On XX/XX/XXXX I spoke with XXXX of Regions Fraud, was told that the dispute had been resolved, Regions was to close the account forward a check to me for {$610.00} which they did. Since then Regions reversed their decision because a XXXX XXXX  " merchant '' told them that I had approved the transfer. The proof they had was a transaction report which included a transaction IP address of XXXX. When I asked if they had validated the IP address, they said no, they just accepted the word of the XXXX XXXX representative. This was supposedly going " as far as they could. '' This was enough justification for them to close the dispute again, charge me with a withdrawal overdraft of {$610.00}, close my checking account, deduct {$610.00} from my pension deposit and send me a check for {$71.00} with a letter threatening that the savings account could still be in default. 
I conducted my own investigation of the IP address with XXXX  and found a name associated with that IP address on the day of the transfer. My address starts with XXXX. 
It seems that Regions Bank could have done the same thing. I believe Regions Bank Fraud has failed their fiscal responsibility by taking care of themselves rather than a customer that has been with them for 50 years. It's just too easy to take advantage of someone in their XXXX 's.

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 2025-05-02 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: CA

Complaint narrative:
I have previously disputed this item with you ( US Bankruptcy Court, Reference NXXXX. XXXX ), on XX/XX/year>. It is now XX/XX/year> and well past the 45 days you are supposed to respond to me by law. I have attached a copy of the letter that I have written to Experian, as well as a copy of the certified mail receipt, indicating that you received my letter. 
I contacted the court and their response was that they do not report to credit reporting agencies. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRAs 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. Further, there was never a bankruptcy because it was dismissed. XXXX  is not reporting a bankruptcy on my credit file. All three credit bureaus, Experian, XXXX  and XXXX  are by law, supposed to report accurate information. 
Thank you for your 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 explanation