vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: LA

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. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am 92 days past due on my private student loan with Sallie Mae and currently unemployed. On XX/XX/year>, I contacted Sallie Mae to request a hardship forbearance or deferment, as I am unable to afford my current interest-only payment plan of $ XXXX. 

I first spoke with a representative named XXXX in Delaware, who transferred me to the Loan Resolution Department. There, I spoke with XXXX ( Employee ID XXXX ), who informed me there were no options available and that I was going into default. I was then transferred to Supervisor XXXX ( Employee ID XXXX ), who told me I was ineligible for forbearance because I was already on a payment plan, had no income, and was too delinquent. She insisted that a payment was required to access any form of forbearance and that my account could not be moved into another program. 

Despite my willingness to submit documentation of my hardship and my repeated efforts to avoid default, I was told no assistance could be provided. This contradicts public statements from Sallie Mae and general consumer protection standards, which suggest that forbearance and hardship options should be available, especially when a borrower is cooperating in good faith. I was also told there is no option to escalate my request further, leaving me without any path to avoid default. 

I am requesting the CFPBs assistance in compelling Sallie Mae to review my account for a hardship forbearance or administrative hold and to provide a written explanation of their refusal to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They contacted me to inform me that the account had been closed. I reached out to them multiple times and even visited the bank in person to understand why. I asked for an explanation, but the only response I received was : " We see a red flag on the screen, which shows 'Fraud '. '' When I asked them to clarify what they meant by " fraud, '' they were unwilling to provide any further details. Whatever happened has left me feeling frustrated, as other banks are now refusing to open an account for me for the same reasonone that, to this day, I still do not understand.

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have a student loan with a balance of about XXXX dollars. Out of no where, Nelnet the loan servicer hit my credit showing loan is in default and over 120 days past due. They are telling me they sent letters, phone calls, and emails. However I did not receive any of this at all. When calling in, they are willing to investigate and met with zero help at all. My credit is and has been perfect with XXXX late payments for over a decade. This loan company has done nothing to properly communicate and makes it impossible to know what's going on. They also but my loan into a pause status not once but twice without consent to by me when I would never wanted a pause on payments. Again, no one can tell me " Who called in '' for the last recent disaster that allowed another pause. I also dont live in a disaster area. I am paying this loan off in full because I dont trust the loan servicer but they wont help correct wrong doing to my credit. For reference I am a banker with over a decade of experience and some how even I dont know what to do or whats going on with these loan providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
On or around XX/XX/year>, Ally Auto disclosed private account informationincluding repossession statusabout my auto loan to my husband. He is not on the loan, title, or account, and I never authorized him to access my account. We are also currently separated, making this disclosure especially damaging. This constitutes a serious privacy violation under federal law, including the Gramm-Leach-Bliley Act ( GLBA ). 

On XX/XX/year>, I submitted a formal written complaint directly to Ally requesting an explanation, a copy of their privacy policy, and assurances this would not happen again. As of today12 business days laterI have received no response. Ally Autos lack of action and accountability has caused me emotional distress and raises serious concerns about how they handle consumer privacy. 

I am requesting that the CFPB investigate this breach and ensure Ally Auto is held responsible for violating my rights and federal privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I have loans from XXXX  school. They were transferred to Mohela years ago. I was in the income driven repayment plan called SAVE. It has been under fire legally and everyone in SAVE was moved into an administrative forbearance. Unable to change income driven repayment plans because Mohela was not accepting applications to change plans. I was told that there was no interest accruing on these loans during the forced administrative forbearance, both via documents sent by Mohela and over the phone by a Mohela customer service agent. Despite this, my loan balance continues to grow, I have saved account balanced over the last couple months. There is no record of the events charging interest in my account history, it is not recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: TN

Complaint narrative:
ood Morning, I am writing to formally request the immediate removal of certain accounts from my credit report that were included in a prior bankruptcy and are being improperly reported. 



In XXXX, I notified XXXX that I did not authorize them to report any information to the credit bureaus and officially opted out of their services. Despite my direct disputes with all three major credit bureaus, the accounts in question continue to be verified by a third-party agency. I believe this verification is inaccurate, as the bankruptcy court itself does not report to credit bureaus. 



Furthermore, this situation appears to be a violation of Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), which prohibits any person from obtaining or using a consumer report without a permissible purpose. Additionally, under the Privacy Act of 1974 ( Public Law 93-579 ), individuals are granted rights to protect personal data from unauthorized use. I did not authorize XXXX any third partyto provide or verify information related to my bankruptcy or included accounts. 



Given these circumstances, I respectfully demand that all accounts related to the bankruptcy be permanently removed from my credit file. If not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel if necessary. 



Thank you for your immediate attention to this matter. Please confirm receipt of this request and provide a written response within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Never had any wireless service with this company applied for phone service was granted phone service and within 30 minutes serviced was cancelled and told to return device which I did know I owe this company money this a violation of my rights and already was discriminated against for the denial of phone service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
My car payment with Automotive Credit Corporation is due on the XXXX of every month. I went in to their website on XX/XX/year> and set up my autopayment to be taken out on XX/XX/year>. 

I received a confirmation text XX/XX/year> XXXX PM stating they have it rescheduled for XX/XX/year> ( which is my next direct deposit date from my employer ). In the past, I called in to reschedule a autopay date and was made aware I have XXXX days " grace '' period before it is considered " late '' and on the XXXX day a fee could be applied. After XXXX days with no payment it would be reported top credit as a missing payment. I was charged a fee over the phone to change the autopay date and was told how to do it on my own to save money. So that is what I did. 

Tuesday XX/XX/year> XXXX PM I received a text message saying my payment was due and to call or click to make payment. 

Wednesday XX/XX/year> XXXX while I was at work, I received a phone call again. I explained the situation and confirmed with the representative the autopay date was updated to XX/XX/year> she agreed and stated she was going to notate my account, she did see where I scheduled payment for XX/XX/year> when my direct deposit hits. 

Thursday XX/XX/year> XXXX while I was at work, I received a XXXX phone call about the same thing. I explained myself and asked to not be contacted again as I am at work XXXX XXXX PM and I have taken care of this payment arrangement already. I have my account notated twice now and I have confirmed my payment update via phone and text message that it has in fact been successfully updated to auto draft from my account XX/XX/year>. 

Friday XX/XX/year> XXXX PM I received a call once again, I did not answer the call, a voice message was left on my phone about my missed payment and that I need to call immediately to get this payment made. 

Sunday XX/XX/year> XXXX Pm. I received yet another text message stating my payment is overdue and I need to call or click link to make payment. \ This is harassment at this point. I have made a payment arrangement with my checking account details, I have explained myself multiple times and at this point they are going against my rights as a consumer. I want this to be taken care of.

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 2025-05-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Had an account in collections and have paid off the amount owed but its still showing the on my credit report and showing bad remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
In early XXXX I requested that my checking account with Bank of America be closed and the outstanding balance issued to me via check. Several months passed and I did not receive the funds. When I called to see where my money was, I was bounced from department to department and between Bank of America and XXXX XXXX. While I had opened my account with Bank of America, my account had been transferred to XXXX XXXX after that merger. So both divisions denied responsibility. I finally received a check at the end XXXX and submitted it to my new bank to be cashed into my new account. It was rejected because the check was past its due date. 
Since then, I have spent over XXXX hours trying to get a new check printed to that I can cash it and get the money that is rightfully mine. I have called every helpdesk and customer service number I could find, I have sent emails when I was able to get hold of an email address, and I have visited the local Bank of America branch several times. Each one of the over XXXX people I have spoken to tell me that they can not help me and send me to another department. 
After XXXX years I still do not have the money that is legally owed 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 2025-05-12 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b'Date occurred: XXXX XXXX 2025 XXXX  at approximately XXXX XXXX\n\nSubject: Formal Complaint Regarding Unprofessional Conduct by Bank Teller\n\nDear Consumer Financial Protection Bureau,\n\nI am writing to formally address an incident that occurred during a recent deposit, which I believe reflects unprofessional conduct and has caused undue distress. \n\nAs a longstanding client of XXXX XXXX, I have consistently deposited fundsboth cash and checkson behalf of my family-owned business. These deposits have been authorized by my employer, and I have always presented valid identification when requested. Over the years, I have developed a rapport with branches staff, and such requests for identification have become less frequent.\n\nHowever, during my latest visit, I encountered a teller named XXXX  who questioned my identity and requested the last four digits of the account number. When I informed her that I was not the account holder, she responded with an attitude that I found dismissive and unhelpful. I inquired whether my information was on file, to which she replied curtly that they do not retain such information. I informed her that every time I present my identification, typing begins all while looking at the ID. Those are clear signs that my information is being noted.\n\nThis interaction was not only unprofessional but also embarrassing, as it implied that I was attempting to conduct fraudulent activity. I felt disrespected and humiliated in front of other customers, which is unacceptable given my long-standing relationship with this bank.\n\nI later contacted another employee and requested leadership contact information. I was asked for what reason and said that it is for a formal complaint and I want it to be on paper/ on email. The staff member walked away and returned and asked for what the reason is, again. I told him the same thing. He walked away again and suddenly I heard a female employee shouting "For what?!" from the teller side of the bank. The staff member returned and was told that I will have to wait until management opens the backdoor to retrieve business cards. At this point I believed the branches leadership did not want to cooperate with me, as if they were walking with dirt on their shoulders. I eventually walked back into my vehicle and departed. \n\nXXXX XXXX\nBranch: XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX\nPhone number: XXXX XXXX\n\nI kindly request that you investigate this matter and take appropriate action to ensure that all costumers are treated with the respect and professionalism they deserve. I would appreciate a response outlining the steps you intend to take to address this issue. Thank you for your attention to this matter. \n\nSincerely, \nXXXX XXXX\nXXXX XXXX\XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Information was exposed in a Data Breach and Equifax, Experian and Transunion they failed to notify me of this Breach and My personal information may have been Compromised because there are thing on these reports that are not related to me I have been getting phone calls and letters address to me about Account that i have not Opened or have not applied to.

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