vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am supposed to make a " single '' payment thru NelNet to pay off my student loans but because the way my loan is structured, It is seperated into 8 different loans consolidated into one payment. However, When my payment was 90 days overdue NelNet reported all 8 loans as being 90 days late to the credit agencies, thus lowering my credit score by XXXX points in one fell swoop? Again, thru nelnet my loans are consolidated into one payment. How can they warrant reporting 8 missed payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-18 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: PA

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against WAYPOINT RESOURCE GROU regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : WAYPOINT RESOURCE GROU ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$890.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with WAYPOINT RESOURCE GROU but to no avail.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a XXXX XXXX veteran who cant get a loan to start a company because of false derogatory statements on my credit report by a XXXX  XXXX  company that they adamantly refuse to remove despite being provided a copy of a court order from a judge stating the vehicle was awarded to my ex wife in XXXX ( which she subsequently stopped making payment on ). Then wells Fargo illegally used that info to deny me a loan.... Then YOU ( the consumer financial protection bureau ) apparently did an investigation, and concluded that nothing was amiss..... despite several UCC violations XXXX and extremely unfair consumer practices that are raping the American middle class. YOU should be ashamed of yourselves. And that's why your bloated, ineffective, worthless, bank appeasing " bureau '' just got GUTTED, and there is probably nobody even left to read this complaint!

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 2025-04-18 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I disputed three billing charges for {$500.00} each total of {$1500.00} for the same product by the Merchant that was charged by me on XX/XX/year>. The Merchant gave false deception of product and later became unreachable, then Merchant illegally contacted me on XX/XX/year> with inflated price of the Order to {$1000.00}, and never sent an amended order for me to sign. After several failed attempts from XXXX to XXXX to reach the Merchant, she stated on XX/XX/year>, she would now only do 1 of the 5 products ordered on XX/XX/year>, now at {$1800.00} which voided the contract which was agreed upon when the Contract was signed on XX/XX/year> when I used my Citibank Card for {$1500.00} to pay the Merchant. 

I cantacted Citibank regarding this matter and I also found that when I provided the billing dispute information, they later changed it around to state something else, which I also believe what has caused the the delays on the {$1000.00} credit owed back on my credit card Citibank. I called Citibank and I was given the run around about the {$1000.00} dispute credit, since one {$500.00} was credit back. Citibank
Sears only returned one of the {$500.00} charges to me. When I asked where is the other two charges of the total of {$1000.00} ( 2 x {$500.00} ), I was totally ignore by Citibank.

I am asking for help with Citibank Sears with the refund return back as credit on my Sears Citibank credit card due to the Merchants misconduct and behaviors to include a scam.

Sears Citibank credit card is suppose to fight for its Consumers and since one of {$500.00} charges was returned and credited back to my account, I need help with Citi Bank to get the other {$1000.00} credited back to my account.

I have received the complete run a round from Citibank Sears regarding the credit I am owed and need your help.

Credit card company isn't resolving a dispute about a purchase on your statement

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
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my final escalation regarding the repeated and unauthorized reinsertion of XXXX XXXX XXXX accounts into my Equifax credit file. These accounts were deleted in XX/XX/2025 after multiple disputes, yet they continue to reappearshowing a disturbing pattern of reinsertion and removal : reinserted on XX/XX/XXXX, deleted XX/XX/XXXX, reinserted XX/XX/XXXX, deleted again on XX/XX/XXXX and XXXX XXXX, and then reappearing yet again on XXXX XXXX. On that same day, I received a notice from the CFPB confirming that Equifax responded to my XX/XX/XXXX dispute, and when I reviewed their response, it stated that the accounts had already been deleted. To confirm, I paid out of pocket to pull a fresh credit reportand was shocked to see that both XXXX accounts were still there, reinserted again without notice. This is not just negligence ; its willful noncompliance with multiple provisions of the Fair Credit Reporting Act. I never gave authorization for these accounts to be reported, violating 15 U.S.C. 1681b ( no permissible purpose ). No proper verification has been provided under 1681i ( a ) ( 6 ) ( B ) ( iii ), and I never received the required written notice under 1681i ( a ) ( 5 ) ( B ). Equifax has failed to ensure maximum possible accuracy per 1681e ( b ), especially since the same accounts have been permanently removed by other bureaus. Ive already wasted a significant amount of my own money purchasing updated credit reports every week just to monitor this game theyre playing with my file. The constant reinsertion of previously disputed and deleted data is unlawful and has caused me financial harm, emotional distress, and unnecessary expenses. I am asking the Consumer Financial Protection Bureau to take actionbecause its clear Equifax is manipulating my credit report, ignoring federal law, and refusing to correct this. I need your help to stop this abuse, enforce accountability, and ensure the permanent deletion of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Reference CFPB ( previous petition ) - XXXX Unreasonable Withholding of Funds by Citibank Dear CFPB , My name is XXXX XXXX XXXX a XXXX XXXX currently pursuing an XXXX at the Massachusetts XXXX XXXX XXXX XXXX XXXX ) . I am writing to request your urgent assistance regarding an unresolved matter with Citibank, which has withheld {$5000.00} from a closed personal account for over a year. 

Citibank closed my account and placed a hold on a salary payment made by my sisters employer, XXXX XXXX, citing concerns about the transaction. Despite repeated efforts to resolve the matter, including a previous complaint to the CFPB, Citibank continues to insist that a hold harmless agreement from the employer is the only acceptable path forward for releasing the funds. 

This requirement is both unreasonable and impractical, for the following reasons : XXXX. The funds are legitimate earnings. My sister, XXXX, had her salary payments deposited into my Citibank account for over a year without incident. The withheld payment was the final paychecks. 
XXXX. Inconsistent handling. Citibank processed all prior salary payments without issue. It is unclear why only the final payment was flagged. 
XXXX. Employers cooperation. XXXX XXXX has been fully cooperative and willing to : Speak directly with Citibank to verify the transaction, Participate in calls or meetings, Accept the return of the funds if concerns persist. I submitted a lot of email and message correspondents and contacts to Citibank for verification. However, Citibank has ignored submitted correspondence from the employer and my sister confirming the legitimacy of the payment. 
XXXX. The payroll processor, XXXX, has clearly stated they do not issue hold harmless letters, making Citibanks requirement impossible to fulfill. 
XXXX. The hold harmless request was made nearly six months after the account closure, compounding the difficulty in obtaining any retroactive documentation. 

Given the facts, and the absence of any proof of fraud, I respectfully request that the CFPB compels Citibank to propose reasonable alternative methods for releasing the withheld funds, such as : Issuing a check to me, Transferring the funds to my sisters current bank account. 
Mailing a check to her verified address, Or returning the funds to her employer, XXXX XXXX 

I believe this situation reflects a lack of fair banking practice, especially given the inflexible demand for a document that can not be produced. 

I urge the CFPB to help facilitate a fair and timely resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : Texas 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 2025-04-18 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-18 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-18 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year> I made a purchase with my Citibank credit card in the amount of {$1100.00} which appeared on my account on XX/XX/year>. I made payment by check to Citibank for the entire balance on my account of XXXX XXXX which I sent to them on XX/XX/XXXX and which they processed through their bank on XX/XX/XXXX they are not applying my payment to my account and it has been nothing but a nightmare trying to deal with customer service and get this resolved. At this point, it appears my only recourse to file a legal action to resolve the issue because I made payment for the current balance on my account. They took the money and are refusing to apply my payment to my account.

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