vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My loan was in forbearance since XXXX. Suddenly in XXXX of XXXX I received a letter in the mail from Sloan Servicing stating that I was 90 days past due and owe them in excess of {$9000.00}. I was never given a right to cure and XXXX week later they hit my credit score and it went from XXXX to XXXX. They reported me to the credit bureau, without even contacting me prior to let me know that their was an issue. 

I contacted them in XXXX of XXXX and requested a forbearance but was denied. I then tried to request an online income driven repayment plan, and the website stated that it was down and unable to process any online plans. I then downloaded the form and mailed it the certified with proof of my income. 

The online status of loan now reads " XXXX XXXX XXXX XXXX XXXX '' with no explanation of what that means. 

Also there was a breach of my personal and financial data and it was compromised violating FERPA.I request full cancellation of my student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Im seeing a capitol one credit card on my credit that I did not apply for a while back I tried to get a car off of XXXX XXXX and I sent the guy my ssn id and things like that and it turned out to be a scam so I think thats how this may have happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Kohls sent me a Capital One store card and closed my store only card without my consent. I have contacted them several times telling them I will not activate the card and that I do not agree to their terms and conditions and to restore my old account so I can pay my bill. I have been told every time they can not do that and the only way I can pay my bill is to activate that card. I will not agree to their terms and do not want the card. All I want is my original store card and to be able to pay my bill. I have gotten nowhere and Im beyond frustrated. I have never been late making a payment and they are hurting my credit over a card I do not want. This is a very deceptive practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Arizona, XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Immediate Deletion or Correction of Inaccurate Data for XXXX XXXX Account Dear Equifax Dispute Department, I am writing to formally dispute the inaccurate and inconsistent information being reported on my Equifax credit report for the XXXX XXXX account ( account number ending in XXXX ). The data associated with this account is misleading, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting its immediate correction or deletion. 

Inaccuracies and FCRA Violations Identified : 1. Inconsistent Date Opened : Equifax reports this account was opened on XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. This is a clear violation of 15 U.S.C. 1681e ( b ), which requires information to be reported with maximum accuracy.

2. Incorrect Credit Limit : Equifax reports a {$0.00} credit limit, whereas both TransUnion and Experian correctly show {$1000.00}. This artificially skews my utilization and overall credit profile and must be corrected or deleted.

3. Contradictory Payment Status : Although the account shows a {$0.00} balance and is marked as Paid, it also states that the payment status is Late 90 Days, which is both misleading and damaging. A paid and closed account should not reflect late payment status without full documentation or evidence, per 15 U.S.C. 1681i ( a ).

4. Dispute Status Language : The account comment says, Account was in dispute- now resolved, but does not show the proper dispute investigation documentation, evidence of resolution, or consumer response. Reporting incomplete investigation results violates FCRA Section 611 ( 15 U.S.C. 1681i ).

5. Credit Grantor Closure Without Clarification : Comments state Closed or paid account/zero balance, yet it also says Canceled by credit grantor. If the grantor closed the account, it should be clearly stated whether this was due to consumer action or credit issues. Vague reporting causes confusion and damages the accuracy of my file.

Formal Request : In accordance with my rights under the FCRA : I demand a complete investigation of this account.

If the data can not be verified with complete and accurate records, the account must be permanently deleted.

I request written confirmation of the outcome and an updated copy of my Equifax credit report once the corrections are made.

You are required by federal law to respond within 30 days. If you continue to report this account inaccurately or without proper verification, I will pursue all available legal remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: DISCOVER BANK
State: MO

Complaint narrative:
Reported fraud multiple times and it's still unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
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 2025-04-16 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to dispute this item that has been reported to you in accordance with the FCRA XXXX XXXX Code XXXX. This item has been reported inaccurately. It is fraudulent and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
Trying to obtain payoff statement from Fay servicing since beginning on XXXX. Fay servicing verified they had the information needed XX/XX/year>. On XX/XX/year> they stated they needed proof of social security information to validate us as heirs. We have sent this to their email. XXXX people we have dealt with stated they would have payoff to title company today XXXX XXXXXX/XX/year>. Now they are extending it at least another XXXX hours and can't even promise they will get the payoff to us any determined date. We have extended this closing XXXX times now. There is no reason we shouldn't be able to have the amount as we submitted all probate papers necessary to prove our interest in this mortgage. We are simply trying to pay them and they have been unprofessional communicating with us and providing the necessary information. This is my second complaint the first was number XXXX. Fay servicing is refusing to even verify the information in their portal that we already sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: E-Backgroundchecks.com, Inc.
State: IL

Complaint narrative:
EQUIFAX IS REPORTING WRONG AND BAD INFORMATION Please help me remove these inaccurate items off my credit report I reached out to all three credit bureaus and still have not had any assistance all. negative item listed below needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date Open : XXXX XXXX Address : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ) XXXX XXXX Account Number : XXXX Amount : XXXX Date Open : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  Consumers/ Background Checks Account Number : XXXX sealed information that shouldnt be access for background checks Date Open XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi, Im reaching out to correct the inaccurate personal information on my credit report. These errors are causing issues with my credit applications and creating unnecessary frustration.

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 2025-04-16 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 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WestGen Lending, a DBA of Beckam Funding
State: KS

Complaint narrative:
Because the builder was not able to finish all requirements of the contract prior to closing, XXXXXXXX XXXX  held back funds for the well, sprinkler & sod installation along with an additional percentage to be held in escrow until work was completed. Closed on home XX/XX/year>XXXX  & builder had 30 days from closing to complete the work. Builder did not meet this 30 day deadline. Eventually, well, sprinkler & sod were installed but with complications. Communication with XXXX XXXX was ongoing thru the process. Initially via telephone but ended with written communication only. Builder has submitted all info/documents to XXXX XXXX. Partial payment of escrow funds has been issued. Found out week or so later full payment was not made. When I inquired, was then told she had everything needed to issue final pymt. Weeks later payment still not issued and no longer responding to my emails. Called & left voice mail msg for President & CEO of GenWay Home Mortgage dba XXXX XXXX XXXX XXXX. Recvd call back from his assistant, XXXX XXXX. Explained situation & happenings and forwarded all email communications to XXXX. She stated she would look into the matter and get back to me within a week. Never heard back from XXXX, sent email requesting status and response never received. This outstanding money has been approved for payment for months but here we sit with just a few short weeks before the 1 year anniversary of closing on this home. Clearly this company cares nothing about customer service or good communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} BANKCRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} INQUIRIES : 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

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I contacted Capital One to request enrollment in a hardship program due to unemployment. I explained that I was a recent college graduate actively seeking employment and was struggling to make payments on my credit card, which had a balance of approximately {$4000.00} and an interest rate of 30.99 %. At the time, my motherwho lives in the same household and was an authorized user on my accountalso contacted Capital One to request hardship assistance for her own separate Capital One account, which also had a balance close to {$4000.00}. Capital One approved my mother for a XXXX Hardship APR Reduction Plan. Under that plan, her APR was reduced to 9.99 %, her payments were set at $ XXXX, and late fees and collections calls were suspended for the duration of the plan. In contrast, despite multiple phone calls throughout XXXX and XX/XX/year> explaining my financial hardship and recent graduation status, I was denied the same plan and was only offered a short-term 13 month XXXX a XXXX arrangement. 

The plan offered to me did not include any XXXX reductionmy interest rate remained at 30.99 %, and I was assigned payments of $ XXXX. My account remained restricted, and the bulk of each payment continued going toward interest charges, which exceeded $ 100 monthly. I asked Capital One several times why I could not be enrolled in the same plan as my mother, especially considering we were both experiencing unemployment, had similar balances, and had been previously enrolled in a XXXX late fee waiver. I was not provided with a clear explanation. I have documentation showing the payment amounts, interest charged, and the differences in the plans each of us received. I am also able to provide bank statements and screenshots of our respective statements showing the interest charges and payment structures. I am requesting to be retroactively enrolled in the same XXXX hardship plan with an XXXX of 9.99 % and reduced payments, and I also ask for a review into the inconsistent way these hardship plans are being offered by Capital One.

Company response to consumer: Closed with explanation