vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: LA

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 2025-04-22 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: Nelnet, Inc.
State: CT

Complaint narrative:
My loan was placed in deferment for the month of XXXX and XX/XX/XXXX. On XX/XX/XXXX I received an email from Nelnet stating I had a payment due of XXXX that payment would be due on XX/XX/XXXX. On XX/XX/XXXX I logged into Nelnet and I reviewed my dashboard it States that I now have a payment of XXXX due on XX/XX/XXXX which was more then what was listed on the bill. On XX/XX/XXXX I make a payment of XXXX and receive a confirmation email stating the payment was received and will reflect on my account on XX/XX/XXXX and processing can take up to XXXX. On XX/XX/XXXX I log back into nelnet to ensure payment processed. Under my dashboard it states I still owe XXXX however a payment was received on XX/XX/XXXX in the amount of XXXX. On XX/XX/XXXX I receive an email from nelnet stating XXXX monthly payment of XXXX was due on XXXX XXXX. At this time I was unable to contact nelnet because they were closed. On XXXX XXXX I contact nelnet at XXXX eastern time to discuss the matter. At this time I explained to the advisor the same thing I explained above. She stated the bank returned payment. I asked why I was not informed of the matter prior to this phone call on XX/XX/XXXX. She states shes not sure but I would be able to make a payment now to ensure my account is in good standings. At this time I did make a payment and I did receive another confirmation email stating that the payment effective date would be XX/XX/XXXX and would not reflect on my account as past due. Today I open up the nelnet app to ensure everything is going accordingly and I notice that my new payment states that I owe XXXX on XX/XX/XXXX and that there is a late payment of XXXX. I called nelnet again to speak about the matter.. I was told dont worry about it it wont reflect on your credit report unless its 90 days past due at this time it is only one day past due again I made the payment and i spoke with an advisor who also stated my payment would not reflect a late payment as the effective date would be the due date and I had nothing to worry about. It is obvious that they are into late reporting and it need to be addressed as Im sure I am not the only person going through false reporting at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
CFPB Complaint Letter Dispute Against Bank of America Subject : Complaint Regarding Refusal to Process Fraud Claim and Unauthorized Charges To Whom It May Concern, I am filing a formal complaint against Bank of America regarding their refusal to accept or process a fraud claim related to unauthorized transactions on my former checking account, which resulted in a negative balance of {$1800.00} The key facts are as follows : I was a customer of Bank of America and maintained a checking account with them.

My debit card was lost or stolen, and I did not become aware of this until after unauthorized transactions had already occurred on the account.

These transactions were not made or authorized by me.

After discovering the fraudulent activity, I contacted Bank of America to report the unauthorized transactions and request a formal fraud investigation.

However, Bank of America refused to accept or process a fraud claim, despite my explanation of the situation and request for assistance.

As a result, the account was closed with a negative balance, and the {$1800.00} balance is now being reported to XXXX or similar agencies, making it impossible for me to open a new checking account with another financial institution.

Bank of Americas failure to acknowledge my report and allow a fraud claim violates basic consumer protections, and I am seeking immediate intervention. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for fraudulent transactions due to a lost or stolen debit card, especially once I have made a good-faith effort to report them.

I respectfully request that the CFPB investigate this matter and urge Bank of America to : 1. Open and process a proper fraud investigation.

2. Remove or reverse the negative balance resulting from unauthorized activity.

3. Correct any negative reporting associated with this case.

I am prepared to provide further documentation and a written statement regarding the events, including a timeline of when the card was lost and when I contacted the bank.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Bank of America 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX I took out a loan for XXXX. I then made XXXX payments of roughly {$750.00} each. Then on XX/XX/XXXX I made a balance transfer to USAA for the amount of {$25000.00} and another balance transfer on XX/XX/XXXX for the amount of XXXX. This totals {$32000.00}. ( Please note that these were balance transfers from another financial institution ). Then on XX/XX/XXXX I was going over the unused apps on my phone and noticed that I had USAA, so I logged on and noticed that I still had a balance and had not received any kind of bill. So I called the XXXX # and spoke with a young lady. She informed me that the balance transfers were indeed done but they did NOT specify on the transfers that they were to go to principal only. I asked her how could I specify that if my bank did the transfer. She stated that there is a check box somewhere on their web page or balance transfer paperwork? Instead, USAA applied the amounts to monthly payments, making my account now due on or about XX/XX/XXXX ( This is completely absurd ). Now, as a consumer who did not see this check box or even know about it is supposed to know to make sure it's checked off is beyond me. She additionally informed me that this happens quite often with other accounts that are trying to pay down their debt. She goes on to tell me that there is a 60 day period to which I could have called USAA and tell them to put it all to principal. [ Now I know on my part, I should have looked at my payments to see what the balance was on XX/XX/XXXX but I assumed that I would get my normal email or paper statement. To my recollection I did not receive either and I don't know why I waited so long to look at my statement ]. She then put in a request for my balance transfers to be backed out and applied to principal, and that was the end of our conversation. Then on XX/XX/XXXX I received an Email stating that USAA was looking into it, so I called the bank and asked what the decision was. This time a young man answered and said to give it a few days to process. This leads us to today ( XX/XX/XXXX ). I received an Email stating " Were unable to complete the request because the payment date is older than 60 days from the date of the request ''. So again, I called the bank and asked them to refund my money that is in their coffers for the payments from XX/XX/XXXX to XX/XX/XXXX. That's 16 months worth of payments. This time i'm told that they can not do this either, because it has been over 60 days. 

Now, I am looking for the CFPB to help me.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-22 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: OH

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 non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - I have no recollection of this account. Please investigate and remove from my credit report.

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MS , XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MS , XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I request that you promptly verify or remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. - I have no recollection of this account. Please investigate and remove from my credit report.

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MS , XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MS , XXXX EMPLOYER - XXXX XXXX EMPLOYER - 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 2025-04-22 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: LA

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 2025-04-22 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: LCI Acquisition Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I sent a complaint through XXXX XXXX XXXX XXXX XXXX to G2 Risk Solutions ( parent company Lundquist Consulting , Inc. LCI ) about a fraudulent bankruptcy that appears on my credit report. Mind you, this was a follow-up complaint. I had already filed one earlier about me being a victim of Identity Theft and this fraudulent bankruptcy that continues to plague my report. They responded by asking me to provide, as proof of Identity Theft : a Police Report, my I.D . & SS Card, proof of residency, etc. I provided everything that was requested and they have yet to make a response. I know that they received the documents and as proof of this, I have attached a copy of the original complaint that was filed as well as a copy of the non-response letter that I received from the XXXX It has been more than 30 days without a response and per my rights as a consumer, I am requesting that this account be deleted from my credit report, from LCI 's files, and that they not be able to provide this fraudulent information to any other credit reporting agency. As I mentioned earlier, I have filed a complaint about this company earlier the shenanigans that they have pulled in the past. I am humbly requesting that my rights as a consumer be protected and that this company not be allowed to perpetrate this fraud against anyone else. Thank you again, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am trying to close my business credit card ( XXXX XXXX XXXX ). The business is not active. I had closed the business banking account but the credit card did not get cancelled. I am being charged fees. I have the Citi app and tried to find the procedure or link or contact info to close account - NONE available on the App. I called the general Citi account number today, XXXX XXXX 2025. After getting through the automated process, I spoke to a representative and gave my ID information which was all verified and asked to close the credit card but the person said they could not and forwarded me to " customer service ''. The person transferred to asked all the same verification information and again stated that they could not and forwarded me to " customer service ''. Unfortunately, I kept going in circles on the phone with having spoken to XXXX representatives, all of whom said the same and transferred the call only to go to another rep. The line was also not clear, as if from overseas with static. The last person who answered, said I can't hear you and said call again and hung up before I could say anything. This phone transfer fiasco took half-an-hour without having spoken to anyone who could assist. I searched online and on my online account with there being no clear process or contact available for credit card account closure. This is extremely fraudulent and time-consuming.

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