vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: MN

Complaint narrative:
I am filing this complaint because my federal student loan servicer, XXXX, has reported XXXX late payments on my credit report that are both misleading and unjustified, and I am requesting that they be removed. 

For multiple months, my account appeared as Current on my credit reports, and I was never notified that payments were due. I did not receive any billing statements, mailed notices, or alerts indicating the account was delinquent. I believed the loan was in forbearance or otherwise not requiring payment at the time.

I only became aware of the issue after reviewing my credit report, which suddenly showed a 90 Days Past Due with no prior reporting of 30-day or 60-day delinquencies. This kind of reporting is both inaccurate and inconsistent with standard credit reporting guidelines, which require a progression of late payment history. 

After registering with XXXX, I saw that their system claims bills were mailed monthly, yet I never received a single statement or notice. My contact information was correct, and I regularly monitor my mail and credit but still had no idea this account was being marked delinquent. 

I contacted XXXX to dispute the late payment and explain that I had never been properly notified, but they refused to remove it, stating only that they were reporting accurately. However, I strongly disagree with this assessment, as I had no reasonable way to know that I was behind on payments. I acted in good faith and would have resolved the issue immediately if I had been aware of it. 

I have attached credit report screenshots from both XXXX XXXX XXXX which clearly show : No XXXX or XXXX late payments reported, A sudden 90 Days Late status No indication that the account was becoming past due before that point. 

This inaccurate reporting has severely impacted my credit and is threatening my ability to qualify for a mortgage and secure stable housing for my family. I am requesting that the CFPB review this case and compel the servicer to remove the late payments due to : Lack of proper notice, Misleading and inaccurate reporting, Inconsistent payment history presentation, Significant and unfair financial harm. 

I have not yet disputed this directly with the credit bureaus because the reporting is clearly inaccurate and unsupported. I am seeking expedited resolution through the CFPB due to the urgent impact on my credit and mortgage eligibility.

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 2025-05-15 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: MI

Complaint narrative:
I applied for the Income-Based Repayment ( IBR ) plan in XX/XX/XXXX, and my loans have been in administrative forbearance since that time due to the SAVE plan litigation. My last scheduled payment prior to the forbearance hold was XX/XX/XXXX, and I have not been required to make payments since then. 

I began repaying my federal student loans in XX/XX/XXXX. Under the U.S. Department of Educations IDR Account Adjustment rules, in-school deferments longer than 12 consecutive months typically do not count toward forgiveness. However, there is a clearly stated exception : if the borrower made qualifying payments before the deferment period, then those deferment months can still count toward forgiveness. 

I fall under that exception. My repayment history includes : 15 months of in-school deferment between XXXX, and 11 months of in-school deferment from XX/XX/XXXX to XX/XX/XXXX. 

Because I had already been in repayment for several years prior to both deferments, those periods should be credited toward the 25-year forgiveness threshold. I reached that 25-year mark in XX/XX/XXXX, yet Nelnet has failed to acknowledge this and continues to send notices implying that repayment is due. 

Despite repeated outreach to Nelnet, filing complaints with FSA, mailing documentation to the Ombudsman, and involving my congressional representative, there has been no resolution. I am requesting a corrected qualifying payment count in line with IDR policy and its exception and a pause on all collection or repayment notices until this is addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received an email from Citizens saying my account was overdrawn by {$27.00} on XX/XX/25 and it indicated I had until the following day to make a deposit or transfer in order for an overdraft fee to be reversed. 

I made a XXXX  transfer from a different bank account for {$28.00} on XX/XX/25. However, I was still charged an overdraft fee. 

I spoke with two representatives with citizens both represented false information. The first indicated transfers needed to be made before XXXX which is false. Citizens on its own website as well as in the email I received indicated the transfer needed to be made before XXXX. 

The second representative indicated the issue was the transfer didn't " post '' on XX/XX/25. There is no language about a transfer having to " post '' by the following day. The language indicates the transfer has to be made by the following day by XXXX. 

Citizens from a simple XXXX search has been sued and settled for millions pertaining to wrongfully charged overdraft fees more than once. This seems to be a clear pattern engaged in by this bank to wrongfully charge customers overdraft fees. 

I did exactly what was requested in both the email sent and what is laid out on the Citizens bank website but yet was still charged an overdraft fee. 

There is no language about a transfer needing to " post '' by the following day. Citizens is making it up as they go along to wrongfully charge overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I've always had a poor credit i am the person who doesnt check and never checked in my life. I bought a XXXX XXXX and XXXX before without problems at all. XX/XX/year> XXXX or XXXX had a XXXX XXXX  going for XXXX and I came ready with my down payment they only took XXXX dollars out my down payment financed with Ally and the outstanding balance came to be XXXX. After arguing with XXXX and Ally they didn't and still don't see the wrong in what they did. So im stuck with this over priced car ( that they know is over priced ) unable to afford it and make payments on it. They refuse to lower anything they refuse to let me trade it in for a much affordable car and they REFUSE to tell me where all my money is going to, that outstanding balance had not moved since XX/XX/year> and ONE Ally employee said est of XXXX dollars is going towards the interest rate while the rest is going towards the outstanding balance when I did my math I should only owe est of XXXX and once I explained this to Ally AGAIN they ignore me completely and ask where is their money or they're coming to repossess my car... I've tried EVERY car lot possible and they won't let me trade it in and/or give me another car because of Ally and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 am disputing the reporting of an XXXX XXXX XXXX credit card account on my Equifax credit report. The account was closed on XX/XX/year>, but continues to report a high balance of {$21000.00} on a {$20000.00} limit ( 105 % utilization ), a payment status of 120149 days late, and a past-due amount of {$2900.00}. The payment history and remarks are inconsistent and misleadingfor example, it says the account was closed at consumers request while 150 days past due, yet it also reflects continuing derogatory reporting and 84 % on-time payments. 

I submitted a dispute and specifically requested verification of the accuracy of the reporting, including how the balance, delinquency, and closure remarks were validated. No documentation or meaningful explanation of the investigation was provided, which violates FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, Equifax has failed to maintain maximum possible accuracy as required under FCRA 1681e ( b ).

This account is now closed and unverifiable, yet still damages my credit with outdated and inconsistent derogatory reporting. I am requesting immediate removal of this account from my credit report and written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
When I reviewed my credit report today, I saw inaccurate accounts listed that I don't recognize. I check my report regularly, so I was surprised to see these issues suddenly appear. I attempted to refresh the page, assuming it might be a browser issue, but the accounts were still there. Due to this problem, Im asking that the documents I provided be carefully examined to prevent future concerns.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Submitted application to Wells Fargo for a card the solicited me in the mail. It was denied. Contacted Wells Fargo via the numbers and instructions on the denial letter they sent me. Instructions stated there was a freeze on my credit report ( there was ). Contacted the advised credit agency they provided in the letter to unfreeze the account. Did that starting on the XXXX XXXX XXXX XXXX  and ending on the XXXX of XX/XX/year>. Wells Fargo suggested I contact them on the XXXX re-evaluate my application. I suggested that Wells Fargo make a note that " they '' proceed with the re-evaluation on the XXXX of XXXX. They refused. No flexibility to the customer. Now here is the deal. In this country laws are supposed to favor the people not the almighty corporation or dollar. Yeh I could have called on the XXXX to run this process again. Why? I already ran this process twice. Once with the application. Second with the phone call to fix the process. Second. I recently received a card from XXXX with out them dealing with the freeze. No correspondence what so ever from XXXX on this issue. So who is right, Wells Fargo or XXXX or is the system so screwed up nobody knows whats going on? Your job is to regulate these institutions. Start regulating and get it right, for every one.

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 2025-05-15 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-05-15 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-15 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: PA

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 2025-05-15 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute two medical bills that have been reported on my credit report. These debts are inaccurate and may violate federal consumer protection laws. According to the Consumer Financial Protection Bureau ( CFPB ) and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies must ensure that all information reported is accurate and can not include unverifiable or disputed debts. Furthermore, effective XX/XX/year>, changes under the XXXX XXXX XXXX XXXXXXXX and reinforced by CFPB guidance prohibit credit reporting agencies from including medical debt that is less than XXXX days old or that has been paid in full. These rules are designed to protect consumers from the long-term impact of medical billing errors and collection practices that do not reflect a consumers true credit risk. 

In light of these protections, I request a formal investigation into the medical debts in question. If the reporting agencies or data furnishers can not provide evidence that the debts are accurate, over 365 days old, and legally collectible, they must be removed from my credit report under 15 U.S.C. 1681i ( the FCRA 's reinvestigation requirement ). I also reference the CFPBs XXXX bulletin highlighting that coercive or confusing medical billing practices often result in incorrect negative reporting, which undermines the integrity of the credit reporting system. I appreciate your assistance in protecting my consumer rights and ensuring compliance with federal 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 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/year>, I sent a formal written request to OneMain Financial asking that all communication regarding my account be handled in writing only ( via email or mail ), and that they cease all phone and text outreach. This email made clear that I would not be discussing sensitive financial matters by phone and that any further verbal contact would violate my communication preferences. 

Despite this written notice, I have continued to receive unsolicited phone calls and text messages from OneMain Financial representatives, including outreach that attempts to re-engage me under the guise of offering assistance. This disregards my boundaries and formal request, which should be honored under CFPB consumer protection guidelines. 

I am requesting a full investigation into this non-compliant communication pattern. I am prepared to submit evidence including my original email, timestamps of unwanted contact, and screenshots if needed. My only request is that OneMain Financial respond exclusively in writing moving forward and be held accountable for ignoring my consent boundaries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 submitting this complaint under FCRA 605B due to identity theft. My credit file with Experian is reporting one or more federal student loan tradelines under the name XXXX XXXX XXXX, which I did not authorize or initiate. I did not open these student loan accounts, and I do not recognize the associated balances, lenders, or activity. These accounts are fraudulent and were the result of identity theft. 

I have already submitted an FTC Identity Theft Report, and supporting documentation is attached to this complaint, including my drivers license and a recent utility bill as proof of identity and address. I previously contacted the servicer and credit bureaus but the accounts remain on my credit file. 

Please block and remove the fraudulent student loan accounts and any related inquiries or payment activity from my Experian credit file in accordance with FCRA 605B.

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 2025-05-15 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: AZ

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 2025-05-15 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: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
They have attempted to call me several times. I don't know exact dates but the last date was XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief