vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I need assistance with having the Department of Education acknowledging my completion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For some background, the XXXX XXXXXXXX is a program in which the federal government provides tuition assistance to college students. If the student completes the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Grant is forgiven. During my time in college, I took out XXXX XXXX for both my XXXXXXXX XXXX XXXX XXXX. The current issue is with my XXXXXXXX XXXX 
My loan servicers for the XXXX XXXXXXXX have switched over the years from XXXX to XXXX and finally to the Department of Education. While my XXXX XXXX were under the purview of XXXX, I successfully completed 4 years of teaching and XXXX granted me forgiveness for my XXXXXXXX XXXX XXXXXXXX on or around XXXX. The XXXX XXXX were switched to the Department of Education and on XX/XX/XXXX, the Department of Education sent a letter detailing the XXXX XXXX  that were still outstanding and how to satisfy the remaining obligations I owed. This letter indicates that the only remaining XXXX XXXX I had left was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not indicated on the letter because it had been satisfied. This information is correct. 
On XX/XX/XXXX I submitted documentation to update my XXXX XXXX XXXX XXXX XXXX XXXXXXXX and noticed that my XXXX XXXX XXXX had been converted into a loan for about {$18000.00}. I did not understand why my XXXXXXXX XXXX XXXXXXXX had been converted into a loan since I had already satisfied my requirements and the XXXX should be satisfied. I called the Department of Education and was informed that they only had 2 years listed for my XXXXXXXX XXXX XXXXXXXX and that it was not forgiven. They recommended I re-submit the documents detailing my teaching so that they could update their records. I have submitted documentation for the following years of teaching : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has acknowledged receipt of all documents except the XXXX and XXXX school years. Even without accepting those XXXX years, they have received 4 years and the XXXX should be forgiven. 
The Department of Education has stated that they have received this, but the computer system has incorrectly listed the XXXX and XXXX school years as a singular year. When I inquired on how they could fix this, they indicated that they do not have the power to override the computer system. I have called on the following dates to attempt to resolve this matter : XX/XX/XXXX ; XX/XX/XXXX; XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Untimely response
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: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX XXXX  and XXXX XXXX incorrectly attributed a dispute/disagreement, did not remove the charges we had disputed, and now has a collection on my account that I do not acknowledge. They placed all owed accounts after the end of the XXXX  Rental Assistance on XX/XX/XXXX, into a single category, incorrectly reflecting and misrepresenting the dispute on my credit reports. 

On XX/XX/XXXX, I was expected to move out from my apartment. I was a tenant for XXXX  years and paid my rent on time. During XXXX, I was laid off and decided to move. Upon moving out, as per my legal right, I requested a move out inspection which was scheduled for XX/XX/XXXX. The landlord never showed up to inspect the apartment. 

After move out, I was billed {$810.00}, of which they took my entire security deposit. I followed up and disputed with them in XXXX regarding the charges, to which I reminded them that they were violating the law by not providing me a move out inspection and not returning my security deposit after XXXX  days. We stopped communication in XX/XX/XXXX, and I never heard from them so I assumed the issue was resolved. 

In XX/XX/XXXX, they reported the outstanding {$210.00} to a collection agency. I've disputed this charge to no avail, but the minor dispute has now affected my ability to rent. And by keeping the charge but not communicating with me shortly after exceeded the statue of limitations that I had to take them to small claims court for violation of the law as described in 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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was approved for a Citi/AAdvantage Platinum Select card on XXXX XXXX, 2024 ( XXXX ) .The card had an annual fee of {$99.00}, which was waived for the first year. I called Citibank customer service in early XXXX to cancel my card. The customer associate suggested that instead of canceling my card, I must switch from the Citi/AAdvantage Platinum Select card to XXXX XXXX XXXX XXXX XXXX I categorically mentioned to the associate that I don't want to incur any fees and he/she confirmed the same. 

In my statement closing XX/XX/XXXX, there appeared a {$99.00} fee, which was a carryover from the previously cancelled card ( shouldn't have been charged in the first place ). I called Citibank, and they told me that it would be reversed. Unfortunately, they didnt reverse the fee in a timely manner. I was setup for autopay and Citibank deducted {$99.00}, which was the balance due on that statement. I called Citibank once again to be told that the funds will be refunded. 

For some reason no statement was generated for the period ending XX/XX/XXXX, instead a new statement was sent to me for the period ending XX/XX/XXXX. This statement had a negative balance of {$82.00}, which was a partial refund of my membership fees which shouldnt have been charged to begin with. 

I have called twice over the last few weeks requesting an additional credit of {$16.00} so that I may get my full refund of {$99.00}. Last time I spoke with XXXX and XXXX from XXXX ( team ID XXXX ), who basically told me that the fees can not be refunded, and they could credit my account with XXXX miles. I was appalled that Citibank employees are being asked to bribe their customers with points and they were trying to convince me that I am better off taking XXXX miles as it is equivalent to {$50.00}. Despite me explaining the sequence of events, they were unable to help me with the refund. Further, I let them know that under their mileage program XXXX miles can not buy me anything ( basically value is XXXX to me ) as the lowest ticket/package requires XXXX miles. 

Long story short, I cancelled Citi/AAdvantage Platinum Select in a timely fashion, well within any grace period set forth by CitiBank. Despite that I am being penalized for {$16.00}. I have spent more than 5-6 hours cumulatively explaining the situation to Citibank employees and the matter is still not resolved. 

I request CFPB to direct Citibank to not only refund my {$16.00} and in addition compensate me for the time and aggravation cost this has caused 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 monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 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: NJ

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX is reporting multiple accounts as being delinquent. There is no XXXX or XXXX delinquency on my credit report. 
There are : Errors in Payment History : Discrepancies in payment dates, late payments incorrectly reported, or accounts marked as delinquent when they're not. 
Incorrect Account Status : Closed accounts reported as open, accounts you don't recognize, or incorrect credit limits. 

Also, it went against my FERPA rights

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX is reporting multiple accounts as being delinquent. There is no XXXX or XXXX delinquency on my credit report. 
There are : Errors in Payment History : Discrepancies in payment dates, late payments incorrectly reported, or accounts marked as delinquent when they're not. 
Incorrect Account Status : Closed accounts reported as open, accounts you don't recognize, or incorrect credit limits. 

Also, it went against my FERPA rights

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX is reporting multiple accounts as being delinquent. There is no XXXX or XXXX delinquency on my credit report. 
There are : Errors in Payment History : Discrepancies in payment dates, late payments incorrectly reported, or accounts marked as delinquent when they're not. 
Incorrect Account Status : Closed accounts reported as open, accounts you don't recognize, or incorrect credit limits.

Also, it went against my FERPA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I am writing to formally express my concern and request a refund of the membership ( annual ) fee, {$690.00}, charged for my American Express account on XX/XX/year>, which was recently closed without warning or explanation. 
I was surprised to discover that all of my American Express accounts were abruptly closed. I did not receive prior notice or any clear justification for this action. To my knowledge, I have maintained my accounts in good standing and have not violated any terms of the cardholder agreement. The sudden termination of my accounts has caused significant inconvenience, particularly because I was charged an annual membership fee shortly before the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account NATLCRSYS XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified mail '' with receipt displaying my signature. If not, please delete my account # XXXX as soon as possible from my report or I will have to take legal action.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Reporting XXXX  To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my student loan account with XXXX on my credit reports. This account is being reported by TransUnion, XXXX, and XXXX, and the data is inconsistent, incomplete, and incorrect across all three bureaus. 



Account Details : Creditor : XXXX  Account Number : XXXX * * * * Type : Educational Installment Loan Balance : {$3900.00} Status : Open / Current Date Opened : XX/XX/XXXX Inaccuracies Identified : XXXX. Conflicting Date of Last Payment : TransUnion  and XXXX  report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Only XXXX of these can be correct this must be investigated and corrected. 
XXXX. Incorrect XXXX XXXX XXXX : Equifax reports XXXX months ( term ), while TransUnion and Experian show XXXX months, which is accurate for a XXXX student loan. 
XXXX. Outdated Dispute Comments : All three bureaus list phrases such as Consumer disputes after resolution and Dispute resolved ; consumer disagrees. 
I am no longer disputing this account, so these comments should be removed immediately. 
XXXX. Incomplete Payment History : TransUnions record shows gaps and missing payment history, making the account reporting incomplete and unreliable. 



Requested Action : Due to the significant number of reporting errors and the negative impact on my credit profile, I am requesting the complete deletion of this XXXX  account from TransUnion, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ). 

Please conduct an investigation and provide me with written confirmation of the outcome within the XXXX days required by law. If the information can not be verified and corrected, it must be permanently removed. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Deletion of Inaccurate Student Loan Reporting XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my student loan account with XXXX on my credit reports. This account is being reported by XXXX, XXXX, and Equifax, and the data is inconsistent, incomplete, and incorrect across all three bureaus. 



Account Details : Creditor : XXXX  Account Number : XXXX * * * * Type : Educational Installment Loan Balance : {$3900.00} Status : Open / Current Date Opened : XX/XX/XXXX Inaccuracies Identified : XXXX. Conflicting Date of Last Payment : TransUnion and Experian report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
Only XXXX of these can be correct this must be investigated and corrected. 
XXXX. Incorrect Loan Term Reporting : Equifax reports XXXX months ( term ), while TransUnion and Experian show XXXX months, which is accurate for a XXXX student loan. 
XXXX. Outdated Dispute Comments : All three bureaus list phrases such as Consumer disputes after resolution and Dispute resolved ; consumer disagrees. 
I am no longer disputing this account, so these comments should be removed immediately. 
XXXX. Incomplete Payment History : XXXX record shows gaps and missing payment history, making the account reporting incomplete and unreliable. 



Requested Action : Due to the significant number of reporting errors and the negative impact on my credit profile, I am requesting the complete deletion of this XXXX  account from XXXX, XXXX, and Equifax under the Fair Credit Reporting Act ( FCRA ). 

Please conduct an investigation and provide me with written confirmation of the outcome within the XXXX  days required by law. If the information can not be verified and corrected, it must be permanently removed. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FOUND SOME FRAUDULENT INQUIRIES THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT... 
HERE ARE FRAUDULENT INQUIRES I HAVE FOUND DUE TO IDENTITY THEFT... 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I ALSO ATTACHED MY IDENTITY THEFT REPORT AS WELL AND MY ID

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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