vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: DC

Complaint narrative:
The company XXXXXXXX XXXX is engaging in fraudulent and scammy business practices. XXXXXXXX XXXX opened a fraudulent XXXXXXXX XXXX card account ending XXXX in my name. I filed an Identity Theft Report with FTC. I called XXXXXXXX XXXX and reported it. This is a fraudulent account. The XXXX XXXX XXXX customer service said they closed it. I request to remove inaccurate information from my credit report.

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 2025-05-21 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding ongoing issues with my credit reports from Experian, TransUnion, and Equifax. Despite my efforts to dispute inaccuracies and provide supporting documentation, including my Federal Trade Commission ( FTC ) report, these credit bureaus continue to report incorrect information that I believe is fraudulent. 

As a consumer, I have the right to accurate information on my credit report as outlined in the Fair Credit Reporting Act ( FCRA ). This law mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. When I disputed the inaccuracies with each bureau, I provided comprehensive evidence demonstrating that the reported items were not mine and were indeed fraudulent. However, despite these efforts, the erroneous entries remain on my credit report. 

The FCRA also stipulates that consumers have the right to dispute any information they believe is inaccurate or incomplete. Upon submitting my disputes along with my FTC reportwhich details instances of identity theftI expected a thorough investigation into these claims. Unfortunately, it appears that the credit bureaus did not conduct adequate investigations or take appropriate action based on the evidence provided.

Moreover, under Section 609 of the FCRA, consumers can request a copy of their credit report if they believe there are inaccuracies. I have exercised this right but continue to find discrepancies that do not reflect my true credit history. The persistence of these inaccuracies not only affects my credit score but also hinders my ability to secure loans and other financial opportunities. 

I kindly ask for your intervention in this matter. Specifically, I would like you to investigate whether Experian, TransUnion, and Equifax are complying with their obligations under federal law regarding accurate reporting and proper handling of disputes related to fraudulent activity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding ongoing issues with my credit reports from Experian, TransUnion, and Equifax. Despite my efforts to dispute inaccuracies and provide supporting documentation, including my Federal Trade Commission ( FTC ) report, these credit bureaus continue to report incorrect information that I believe is fraudulent. 

As a consumer, I have the right to accurate information on my credit report as outlined in the Fair Credit Reporting Act ( FCRA ). This law mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. When I disputed the inaccuracies with each bureau, I provided comprehensive evidence demonstrating that the reported items were not mine and were indeed fraudulent. However, despite these efforts, the erroneous entries remain on my credit report. 

The FCRA also stipulates that consumers have the right to dispute any information they believe is inaccurate or incomplete. Upon submitting my disputes along with my FTC reportwhich details instances of identity theftI expected a thorough investigation into these claims. Unfortunately, it appears that the credit bureaus did not conduct adequate investigations or take appropriate action based on the evidence provided.

Moreover, under Section 609 of the FCRA, consumers can request a copy of their credit report if they believe there are inaccuracies. I have exercised this right but continue to find discrepancies that do not reflect my true credit history. The persistence of these inaccuracies not only affects my credit score but also hinders my ability to secure loans and other financial opportunities. 

I kindly ask for your intervention in this matter. Specifically, I would like you to investigate whether Experian, TransUnion, and Equifax are complying with their obligations under federal law regarding accurate reporting and proper handling of disputes related to fraudulent activity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX XXXX XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX through U.S. Bank. My application was not automatically approved, and I was told to call XXXX to speak to a representative. 

On XXXX XXXX XXXX I called XXXX and spoke to a gentleman and informed him that at that time I had reconsidered and was no longer interested in the credit card. I request that he reject or close my application. He affirmed he would do so. 

On XXXX XXXX XXXX I received an email from U.S. Bank notifying me that I had been approved for the credit card and that I would receive it in the mail. I called XXXX again and spoke to a woman who reassured me that my application had been canceled, and that I did not actually have a card with U.S. Bank. I asked her if the email was in error and she affirmed it was. 

Subsequent to that I continued to receive an occasional email about activating my card, but never received a card. I also received a XXXX XXXX credit card statement in the mail. 

On XXXX XXXX XXXX  I decided to call again to reaffirm that I do not have a credit card with U.S. Bank as I continued to receive emails about my credit card. I dialed XXXX and spoke to a woman who confirmed that I did have an assigned credit card with U.S. Bank. The credit card has not been activated. I explained the situation and asked that my account be closed. I was escalated to another woman and I again explained the issue. She closed my account. 

I voiced to both women that my primary concern with this situation is that the credit card may show up on my credit report when I do not want it to. Neither woman apologized for the situation or offered any information or guidance about ensuring that this card does not show up on my credit report.

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 2025-05-21 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: TX

Complaint narrative:
This account was charged off on the following date:XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate correction of six 90-day late payment notations reported on my credit file by XXXX. These entries are unverified, erroneous, and in violation of consumer protections afforded under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are legally required to ensure all data they report is complete and accurate. The following XXXX accounts have reported XXXX delinquencies that are factually incorrect and unverified by the creditor : XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) social 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 2025-05-21 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate correction of XXXX XXXX late payment notations reported on my credit file by XXXX. These entries are unverified, erroneous, and in violation of consumer protections afforded under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are legally required to ensure all data they report is complete and accurate. The following six accounts have reported 90-day delinquencies that are factually incorrect and unverified by the creditor : XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payments : XXXX & XX/XX/XXXX ( XXXX lates ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) XXXX Account : XXXX Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX ( XXXX late ) social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate correction of six 90-day late payment notations reported on my credit file by XXXX. These entries are unverified, erroneous, and in violation of consumer protections afforded under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are legally required to ensure all data they report is complete and accurate. The following six accounts have reported 90-day delinquencies that are factually incorrect and unverified by the creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Transunion 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 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 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 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : Transunion 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX 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 2025-05-21 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet never sent me any statement saying that my loans was late. Nelnet put late payment on my credit without sending me a statement and no call to advised that my loan was late. My loan was in deferment and wasn't never told that I need to start paying on student loans.

Company response to consumer: Closed with explanation