vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I again attempted to call my student loan sevicer today. I was told that i do not have two groups to my loan when asking how group a os again at XXXX after paying another XXXX to a group thats XXXX a month. 10 min later they agreed i do have 2 groups but said payment was put to group b. Similar to the last appeal lies i have it video recorded me pressing group a XXXX and group b XXXX. Furthermore, their response to my last appeal stated i refused to identify myself.. i gave them my government name, associated with the social security number they asked for. That's my name or that's not my social, one or the other. Furthermore, they claimed the reason i was charged XXXX in a day was that ten months before i owed a full month before XXXX took effect. Simply untrue, my paperwork was in on time and you'll know it was on time since that AMOUNT WAS never reflected til i dared question them. This is not legal. None of this is legal and I can't afford a lawyer. If i default on this loan bc of them lying i will never stop til I die proving they are crooks. Adding a full month non ibr 10 months after the fact and not telling the consumer why? The appeal i got said 215 days past due. I called a week later i was XXXX. Its actually insane. This is my life and a large amount of money to be wrong about thousands constantly and for you to just send this complaint to them and close it? What's the point?!!! Do you let a bank XXXXobber be his own judge?!!! I need actual help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-20 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: GA

Complaint narrative:
Hi, I need to get itms removed from my file. Take a look at the report Ive atached to get an idea of wht needs to be taken out. Ive been a victim of identity theft, so it's not possible that I made these transactions. I need these items taken out to correct my credit report in earnest. I've already informed the Federal Trade Commission of the identity theft and provided them copies of their Identity Theft Affidavit. Can you get this resolved quickly?

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 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I refinanced my Sofi Student loan ending in XXXX with a new Sofi Student loan ending in XXXX. The disbursement date for the new loan was XXXX XXXX and my old loan as of today XX/XX/year> still has not been paid off. I have called several times to try and find out information about my payoff, but I continue to be provided vague responses and told that it could take 30 to 60 days for my old loan to be paid off. This is an internal loan refinance that they are saying will take 30 to 60 days to pay off!? However, on their website it states the funding process typically takes 7 to 15 days and if my loan has not been paid off within 18 days to contact them. It's been 22 Business days! Meanwhile, I am receiving collection calls on the old loan when I have already made my first payment on the new loan. I'm not sure how this can be legal or how it can possibly take so long to pay off an internal loan in this day and time. It seems as if they are doing these things on purpose to drag out the finance charges. This is the second issue I have had with Sofi dragging their feet on a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Charged over {$600.00} dollars for XXXX XXXX that I never purchased and bank said everything matched up and reversed the claim.. I never made this purchase at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: 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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft that I believe is directly connected to the XXXXXXXX XXXX data breach, which compromised the personal information of millions of Americans, including mine. As a result, my credit reports have been damaged by unauthorized accounts, inquiries, and false personal information. 

I have already taken these steps : Filed disputes with XXXX XXXX  and XXXX Filed an FTC Identity Theft Report ( Report # XXXX ) Filed a police report with the XXXX Police Department ( Tracking # : XXXX ) Placed fraud alerts and security freezes on my credit reports Contacted affected financial institutions Despite my efforts and documentation, the credit bureaus have not removed the fraudulent entries. 



XXXX Accounts on My Credit Report : XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXXXXXX Discovered  : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$13.00} XXXX. XXXX XXXX XXXX. Account # : XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$610.00} XXXX. XXXX XXXX XXXX # : XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$1000.00} XXXXXXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$980.00} Inaccurate/Fraudulent Personal Information : Name variation : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA ( I have never lived here ) Employer : XXXX ( XXXX have never worked there ) Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX inquiries Capital XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What I Am Requesting : Under FCRA XXXX, the credit bureaus are legally required to block all fraudulent accounts and information from my credit report within XXXX business days of receiving proper documentation. I have submitted : My FTC Identity Theft Report My police report Proof of identity and address A written request for removal I respectfully ask the Consumer Financial Protection Bureau to ensure the credit bureaus and creditors : XXXX. Remove all fraudulent accounts and inquiries listed above XXXX. Correct all inaccurate personal and employment information XXXX. Confirm in writing that these corrections have been made This has caused ongoing harm to my financial stability, and I seek immediate resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out two payday-style loans from Uprova XXXX and XXXX XXXX. XXXX loan was for {$1200.00} with a XXXX XXXX APR, and XXXX XXXX 's XXXX was approximately XXXX XXXX. I am a resident of Illinois, where the Predatory Loan Prevention Act limits loan APRs to 36 %. These loans are illegal under state law and considered void and uncollectible. 

On XX/XX/year>, I formally revoked ACH authorization and disputed the validity of the loans with both lenders under Regulation E. I also instructed them to cease all contact. 

Despite that, I received repeated phone calls from ( XXXX ) XXXX on the same day and the following day, a text message from ( XXXX ) XXXX that included my full name, address, and a suspicious link. These communications appear to be intimidation or phishing tactics tied to these lenders or a third-party collector working on their behalf. They are continuing to contact me after being told to stop, which is a violation of the Fair Debt Collection Practices Act. 

I am requesting that the CFPB investigate these lenders and any associated collection activity, and ensure they cease all communication immediately.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ADP Inc.
State: KY

Complaint narrative:
I am trying to recover my XXXX account - XXXX is a payroll software company that is used by multiple companies to process payroll and other employee benefits. However, they do not have a staff telephone number that employees can call for assistance - nor do they have a website that allows the creation of support tickets. As it stands, there is no way to correct any incorrect information, or even to recover a locked account, once XXXX is needed- if your account is locked, you are permanently locked out of accessing payroll information, requesting PTO, accessing benefits, or other HR needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My debt was sold to a third party, I asked them to stop calling me but they continue to do so. They call, text me almost on a daily basis and threaten to take me to court if i dont pay. That account was charged off and a third party purchased that debt from the original debtor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Transunion 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in CFPB 'S recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to raise serious concerns regarding XXXX conduct in handling my identity theft dispute. Despite providing all required documentation, including a police report and identity theft affidavit, I have been met with a hostile tone, dismissive responses, and no actual proof of investigation from XXXX. 

Hostile and Intimidating Language XXXX language is not only unprofessional, but borders on intimidation. For example : frivolous nature of the identity theft claim any further frivolous claims will be considered duplicate Statements like these are threatening and discourage me from exercising my legal rights under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). This type of tone is not only unacceptable it undermines the purpose of these consumer protection laws. 

Ongoing Lack of Proof of Investigation XXXX repeatedly claims they have investigated my dispute, yet they have provided : No documentation of the investigation No timeline No names of individuals involved No information on what was reviewed or how In short, there is XXXX transparency. Simply saying an investigation was conducted, over and over, without providing any actual evidence is not acceptable especially when they are using those claims to dismiss my rights. 

Legal Missteps and Misjudgments XXXX. Dismissive of the XXXX of My Claim Initially, I noticed reporting issues ( e.g., late payments ). As I dug deeper, I discovered the account may be entirely fraudulent. This is not unusual its how identity theft often unfolds. Using the evolution of my complaint against me is disingenuous.

2. Improper Judgment of My Intent XXXX labeled my identity theft claim as frivolous. That is a subjective legal conclusion they are not entitled to make. Only a regulator or a court can determine whether a complaint lacks merit when documentation has been properly submitted. 
3. Threat to Dismiss Future Valid Disputes Their warning that any further claims will be deemed duplicates unless I submit new and definitive evidence violates my rights under federal law. Each identity theft dispute must be treated on its own merits, especially when new context or concerns arise.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have a personal loan with Onemain Financial. As of XX/XX/XXXX I opted out of automatic payments, to pay through their online portal. I went through a hardship and became delinquent I owe {$2000.00} as of XX/XX/XXXX. In XXXX they tried to collect a payment of {$280.00} which was not successful. On XX/XX/XXXX they attempted once one and was successful for & XXXX. Both transactions were unauthorized. I have not spoken to no one from this agency to give authorization to resume payments or settle the debt. I contacted my bank to dispute the payment. My bank agreed to stop payment and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I was contacted by a creditor attempting to verify a loan application due to what they believed was a fraud alert on my Equifax credit report. However, upon reviewing my current Equifax report dated XX/XX/year>, I found no active fraud alert. 

Instead, the report lists two inaccurate and misleading designations : " Fraud Victim ( associated with trade ) '' " Report Blocked for Promotional Purposes '' I did not request a fraud victim indicator, nor did I authorize any action to block my report for promotional purposes. These entries are interfering with my ability to access credit and are causing unnecessary confusion for creditors. 

I contacted Equifax requesting these entries be removed, but as of this complaint, no action has been taken to resolve the matter. These designations are inaccurate and not reflective of my current status or intent. 

I am requesting the CFPB 's assistance to compel Equifax to : Remove the Fraud Victim ( associated with trade ) designation Lift the Blocked for Promotional Purposes restriction Confirm in writing that my credit file is accurate and unrestricted, unless I explicitly request otherwise in the future I have attached a copy of my Equifax credit report summary and am willing to provide identification or additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/XXXX, a 90-day late payment was reported on my student loan account. At the time, I was experiencing financial hardship and was unaware my account had become delinquent because MOHELA was still sending loan correspondence to my previous address at XXXX XXXX XXXX, which I had moved from years earlier. 

Ive since updated my information and was approved for deferment beginning XX/XX/XXXX. I reached out to MOHELA requesting a goodwill removal of the delinquency based on my situation but have not been successful. I'm asking CFPB to help review and request the company consider correcting or removing the 90-day late mark due to the miscommunication and circumstances beyond my control at the time.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX Knollwood 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