vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
Im filing this complaint regarding how Sallie Mae applied my loans grace period following a temporary withdrawal from school. 

I understand XXXX XXXX policy allows for XXXX XXXX separation period, and they state this was disclosed in the loan documents. However, I believe the way this policy is applied is unclear, inflexible, and unfair to students who temporarily withdraw but later re-enroll and complete their degrees. 

I withdrew from school for a semester, completed exit counseling, and later returned to finish my degree. I just graduated in XX/XX/year>, yet Sallie Mae is telling me I have no remaining grace period because it was used up during my temporary withdrawal. As a result, I am expected to begin full repayment almost immediately after graduation. 

This feels inconsistent with the intent of a grace period, which is meant to help students transition into repayment after completing their education. I was never clearly made aware that temporarily withdrawing would permanently use up my only opportunity for a grace period with no reset or adjustment after actually earning my degree. 

Other private lenders have applied similar treatment like XXXX XXXX, but that highlights a systemic issue not a fair or transparent policy. XXXX not disputing repayment XXXX asking for basic fairness and transition support after finishing my degree, just like any graduate would expect. 

I respectfully request that the CFPB review this case and encourage Sallie Mae and XXXX XXXX to either reinstate a grace period post-graduation or offer temporary repayment flexibility, such as graduated repayment to accommodate borrowers in similar situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
" I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
please remove all these addresses from my credit report as they do not belong to me and are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX, pa, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, pa, XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, pa, XXXX please remove all employers except XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please remove all these addresses from my credit report as they do not belong to me and are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX, pa, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, pa, XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, Nj, XXXX XXXX XXXX XXXX XXXX, pa, XXXX please remove all employers except XXXX XXXX and 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I paid this debt off in one large payment using their instruction in XX/XX/XXXX. They sent me a letter saying I paid it off and owe {$0.00}. Then, they sent a new bill in XX/XX/XXXX. They won't explain why I owe them more money. They charge late fees, reported me to credit agencies ( as new loans ), which I disputed, and I reported them to the PA attorney general. The agent assigned to my case gave them 21 days and he said they are ignoring him. They call me and email me almost every day and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was offered 12 Months of XXXX XXXX  available with XXXX XXXX Credit Card. ( see upload ) The terms of the promotion were that a promotion code for 12 months of XXXX XXXX would be received within approximately 14 days after you meet your {$600.00} spend requirement but it may take up to 12 weeks to send.

I spent the {$600.00} on the first month 's statement ( see upload ) but I never received the XXXX XXXX XXXX  subscription code and Comenity now refuses to honor the promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I RECENTLY TOOK A LOOK AT MY CREDIT FILE AND NOTICED THAT A ACCOUNT THAT ISNT MINE IS REPORTING ON MY CREDIT FILE,,, THIS CREDIT COMPANY IS REPORTING INACCURATE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX I went to cash my tax return and deposit the money into my bank account, as I was headed home I made a stop at the XXXX XXXX. As I was leaving the parking lot I was pulled over by law enforcement where they immediately XXXX  me and I was XXXX  XXXX XXXX XX/XX/year> when I was released from jail I asked for my property they didnt have my bank card, identification card, and my phone it was stolen. I filed a dispute with my bank they said they denied claim because they dont have proof of my XXXX if they did proper investigation they would have found my arrest records I sent them the supporting documentation of my XXXX  and police report I had to file to receive it now they are telling me that my card was sent to the correct billing address which was never part of the problem my card was in my possession before the arrest I would like for this matter to be resolved properly

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I NOTICED A ACCOUNT THAT ISNT MY ACCOUNT AND CREDIT COMPANY IS REPORTING INACCURATE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally express my deep concern and frustration regarding a serious issue with my student loan servicer Ed Financial. All of my loans were paid off in full as of XX/XX/2023. However, I was recently contacted by Ed Financial office -- nearly two years later -- claiming that a fourth loan remains unpaid. This information is both incorrect and alarming. I have documentation confirming that all of my loans were paid off by the aforementioned date. The sudden claim of an unpaid loan after such a long period raises serious questions about the accuracy of Ed Financial records and the integrity of their billing practices. What is even more distressing is the threatening nature of their communication, including statements suggesting they intend to report this alleged debt to the national credit reporting agencies. Such actions, based on faulty or outdated information, would be not only unjustified, but could also have serious negative consequences on my financial standing and credit history. 
Please treat this matter with the urgency and seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: 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: NY

Complaint narrative:
Subject : Equifax Mishandling of Credit File Falsified Information, Improper Reporting, and Dispute Failures Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NY XXXX Summary of Issue : I am filing a formal complaint against Equifax for multiple violations involving the credit file of XXXX XXXX. Equifax has : 1. Falsely altered XXXX XXXX date of birth and blocked access to his full credit report, severely impacting his ability to apply for financial products and verify information. 
2. Failed to verify or correct multiple disputed accounts, responding only after being exposed. Many of these accounts were reported inaccurately, some as time-barred, and others without proper documentation.

3. Illegally re-aged debt and continued to report it despite prior disputes. This includes re-reporting of accounts in violation of the Fair Credit Reporting Act ( FCRA ), NY General Business Law, and Metro 2 guidelines.

4. Ignored repeated disputes and provided no meaningful investigation results, in violation of FCRA 1681i ( b ), 1681i ( c ). 

Disputed Accounts Include : XXXX XXXX XXXX Disputed multiple times, no verification provided ; updated but not deleted. 
XXXX XXXX XXXX XXXX debt, re-aged and unverifiable. 
XXXX XXXX XXXX XXXX and verification issues. 
XXXX XXXXXXXX XXXX No proof of debt, Metro 2 and FCRA violations. 
XXXX XXXX XXXX ( XXXX ) Reporting inconsistencies, privacy concerns. 
XXXX ( XXXX XXXX XXXX XXXX Incorrect balance history, closed charge-off. 
XXXX XXXXXXXX Inaccurate reporting, no documentation. 
XXXXXXXX XXXX XXXX Continued derogatory reporting post-closure.

Violations Include : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ), 1681i ( b ), 1681i ( c ) NYS General Business Law : 349 ( Deceptive Practices ), 380-f ( Reinvestigation ), 380-j ( Re-reporting Disputes ) NY CPLR 214 ( 2 ) : Time-barred debt over 3 years reported as active 23 NYCRR 1.3 : Failure to provide debt documentation upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: CNG HOLDINGS INC
State: AR

Complaint narrative:
I am a victim of the fraud Tempoe llc lawsuit. A check was issued to my address XX/XX/XXXXXXXX  in the amount of XXXX. I wasn't aware that a check was in the letter. The check expired on XX/XX/XXXX. I went through all the requested protocols to receive an reissue check on XXXX XXXX. I called several times, but have not gotten any response except for " there's no time limit ''. The first time I called I was told that it takes anywhere between 6 to 8 weeks. I still have the check that expired and I also asked to speak to a supervisor without any luck. If you need anymore information please feel free to contact me. 
sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Scott Fetzer Financial Group Inc.
State: NV

Complaint narrative:
In 2022, I signed up with XXXX XXXX XXXX after they promised to resolve my tax debt. They set me up with a loan through XXXX XXXX to cover the cost, and I was put on a payment plan. I made 8 out of the 12 payments, totaling about {$5000.00}. During that time, I repeatedly asked for updates and documentation showing progress, but they never provided anything. Eventually, I realized they had not taken any action on my case, and I stopped making payments. Now the loan has gone to collections and severely damaged my credit. I also filed a complaint with the XXXX XXXX XXXX, but the issue was never resolved. After my experience, I looked up reviews and found many similar complaints from other consumers who had the same issues. I wish I had known before signing up! After I stopped payments due to the lack of service from XXXX XXXX XXXX, the loan was transferred to collections. I was then contacted repeatedly by a debt collection agency called XXXXXXXX XXXX XXXXXXXX, who claimed to be collecting on behalf of United Consumer Financial Services. I received collection letters and frequent phone calls, even though the debt resulted from a service that was never provided. This has added to my financial and emotional stress. I have included a copy of that debt collection which is asking for the remaining {$2200.00} to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This entire situation has been exhausting and overwhelming. One day I check my credit report and suddenly there's a debt Ive never heard of, completely unverified and absolutely not mine. On top of that, Ive been bombarded with messages and calls across various platforms, using different scare tactics, even threats of legal action. Its not just frustrating, its downright disrespectful and distressing, especially for someone whos always tried to do things the right way. This collection account doesnt belong to me, and I shouldnt be harassed over something I have no connection to. The mental toll this has taken is real, Ive had sleepless nights and constant anxiety.

Company response to consumer: Closed with non-monetary relief