vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I'm submitting this complaint because multiple closed accounts on my credit report continue to show inaccurate and negative information, even after I disputed them directly with both the credit bureaus and the original furnishers. 

The accounts in question include : Credit One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed formal disputes with the credit reporting agencies ( Experian, Equifax, and TransUnion ), as well as with the furnishers of these accounts. Despite this, the accounts are still reporting with late payments or other derogatory marks. In response to my disputes, the credit bureaus refused to provide any documentation or proof validating the accounts or the accuracy of the negative information.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation within 30 days and delete information that can not be verified.

15 U.S.C. 1681s-2 ( a ) requires furnishers to report only accurate and complete information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of any disputed information that can not be verified.

And if any of these accounts are older than 7 years from the date of first delinquency, they should no longer be reported at all ( 15 U.S.C. 1681c ).

Since neither the bureaus nor the furnishers have provided verification or supporting documentation and the accounts continue to report negatively. I am requesting that the CFPB review this issue and ensure the information is either fully validated or removed from my credit reports in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I'm submitting this complaint because multiple closed accounts on my credit report continue to show inaccurate and negative information, even after I disputed them directly with both the credit bureaus and the original furnishers. 

The accounts in question include : Credit One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed formal disputes with the credit reporting agencies ( Experian, Equifax, and TransUnion ), as well as with the furnishers of these accounts. Despite this, the accounts are still reporting with late payments or other derogatory marks. In response to my disputes, the credit bureaus refused to provide any documentation or proof validating the accounts or the accuracy of the negative information.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation within 30 days and delete information that can not be verified.

15 U.S.C. 1681s-2 ( a ) requires furnishers to report only accurate and complete information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires deletion of any disputed information that can not be verified.

And if any of these accounts are older than 7 years from the date of first delinquency, they should no longer be reported at all ( 15 U.S.C. 1681c ).

Since neither the bureaus nor the furnishers have provided verification or supporting documentation and the accounts continue to report negatively. I am requesting that the CFPB review this issue and ensure the information is either fully validated or removed from my credit reports in compliance with federal law.

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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am sick to the back teeth with Capital One Bank and their XXXX customer services who barely speak XXXX, which in my opinion leads to an over and over situation wherein I have now disputed and blocked several unauthorized merchants from debiting my account for the same amount, month after month, and this bank continues to allow them to steal my money, month after month, while having the gall to then charge me a {$35.00} overdraft fee, time and time again. I have literally been disputing and blocking " XXXX XXXX XXXX XXXX '' for their monthly theft of {$210.00} for example, month after month, and they don't either block them as confirmed, nor do they return the money back to my account in their " provisional credit '' program sometimes for XXXX weeks, all the while hitting me with overdraft fees of {$35.00} like a car crash on the XXXX XXXX freeway , cars piling up on top of each other one after another. But I guess this is how these criminals make their money. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was asked to apply for a Macy 's Credit Card at checkout during my purchase. If I applied, I would receive a 30 % discount and interest only period for 12-months. Prior to applying for the Macy 's Credit Card Amex, I called the customer service number 3 times to confirm the promotion. I was assured of the 30 % discount and interest only period. I proceed by applying for the Macy 's Amex credit card. I also read the fine print for any exclusions and my purchase was not listed as an exclusion. 

I did not receive the 30 % discount, I called the customer service number, I spoke to a Rep. The Rep assured me that the 30 % discount would be reflected in my first billing statement. When I received the billing statement I did not receive the 30 % discount. I called the bank Amex customer service and I spoke to a Rep who said they were sorry but the best they could do is give me a {$100.00} credit. 

My purchase was {$1500.00} of which 30 % represents {$460.00}. To make matters worst they are now charging me interest monthly.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
Pursuant of 15 USC 1681c-1, correspondence was sent via mail to Microbilt requesting to freeze my credit on XX/XX/year>. However, Microbilt has failed to perform said request, thus, is negligent and acting in bad faith. Should Microbilt not freeze my credit immediately, then I'll have no choice but to sue them for damages.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
Pursuant of 15 USC 1681c-1, correspondence was sent via mail to XXXX requesting to freeze my credit on XX/XX/2025. However, XXXX has failed to perform said request, thus, is negligent and acting in bad faith. Should XXXX not freeze my credit immediately, then I'll have no choice but to sue them for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WI

Complaint narrative:
This complaint concerns my private student loan with Sallie Mae Bank ( originated XXXX XXXX, about {$21000.00} ). As of XX/XX/XXXX, I attempted to download loan statements and obtain a copy of my signed promissory note/credit agreement to verify the legality and accuracy of the terms being enforced. I can not obtain the agreement or complete historical statements from Sallie Mae. 

I am currently about XXXX months past due, after years of trying to remain current during and after the pandemic. In XXXX XXXX, when I asked for help, multiple Sallie Mae representatives stated they will not discuss hardship options or any assistance unless I first bring the account fully current. This has created a XXXX : without assistance, the high interest and fees continue to accumulate ; and without a very large income, it is not feasible to cure the delinquency in XXXX payment. As a result, my balance has grown from ~ {$21000.00} to nearly {$40000.00}, despite my efforts to maintain good standing. 

I am also disputing the accuracy of the amount Sallie Mae is reporting. I have requested : ( XXXX ) a copy of my signed promissory note, ( XXXX ) a complete transactionlevel accounting ( all interest accrual, capitalization events, and fees ), and ( XXXX ) information about any hardship/modified payment options. To date, Sallie Mae has not provided the agreement and has refused to discuss options while I am delinquent. I believe this conduct is unfair and abusive : it withholds basic documentation needed to understand and verify my obligations and makes assistance inaccessible at the exact moment a borrower needs it, which drives up balances and pushes consumers toward default. I request the CFPBs assistance to obtain documentation, a full accounting, and a goodfaith review of affordable options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was not notified of the results of complaint # XXXX. I submitted accurate documentation to block the fraudulent XXXX account from my credit file. My current drivers license with my current address. A current phone bill with an accurate address. Equifax placed the fraudulent account back on my credit file XX/XX/year> without informing me. Under the FCRA section 605B I demand the fraudulent account be blocked from my credit file. XXXX  and XXXX  has blocked the account. The credit furnishers are suppose to report accurate information. Again refer to the complete and accurate information attached to this complaint with my correct address. I never lived in Texas or applied for any credit. My next step with be arbitration if I can ot resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IN

Complaint narrative:
Made three transactions to XXXX XXXX XXXX  in the amount of {$260.00}, {$300.00}, and {$560.00} which was returned a couple days later and the more i talked to chime about this they would only say it was declined due to insufficient funds which I made the payments the second I received my paycheck from work. I call them and get bounced around from one agent to the next all saying the same thing or just flat out saying they don't see it. They claim to have a higher boss but he doesn't take calls i have all the documentation and recorded phone calls I can send them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: PR

Complaint narrative:
Subject : Credit Report Discrepancy Missing Account Information My name is XXXX XXXX XXXX, and I am writing to formally report an issue regarding my credit file. 

I currently hold a credit card account with Discover. I have contacted Discover to verify that they are accurately reporting my account information to the credit bureaus, and they confirmed that they are indeed submitting the data. 

However, when I check my credit reports through XX/XX/XXXXand XX/XX/XXXX no information related to my Discover account appears on file. I have also spoken directly with representatives from both XX/XX/XXXX andXX/XX/XXXX and they confirmed that they do not have any record of this account in my credit history. 

When I contacted Discover again to follow up, they informed me that I needed to reach out to the credit bureaus directly in order to resolve this issue. 

I respectfully request that this matter be investigated and corrected so that my Discover account is properly reflected in my credit report. Please advise me on the next steps I should take to ensure that my credit file accurately reflects all of my active accounts. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that was in fact paid on time. The consumer reporting agencies have a need to report all information with complete accuracy. This account has not been late on payments, I have attached copies of my report to this complaint XX/XX/year>. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-15 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
I am submitting this complaint regarding my private student loans serviced by Sallie Mae, totaling approximately {$150000.00} across XXXX accounts. 
Despite my repeated attempts to seek hardship assistance - including multiple phone calls and written requests - I received no effective help. Sallie Mae representatives were often unresponsive or dismissive, refusing to offer workable repayment options when my payments were due. 
During multiple calls, Sallie Mae representatives stated that " more options may be available when the account is closer to or at delinquency, '' and advised me to wait until delinquency to apply for hardship assistance. This policy forced me into delinquency and harmed my credit unfairly, despite my proactive attempts to seek help. I believe this constitutes unfair and abusive treatment. 
As a result, my accounts were reported as delinquent to credit bureaus before I was enrolled in a reduced payment program with a 2 % APR. This reporting unfairly damaged my credit, as I was not provided a reasonable opportunity to make timely payments under the new program terms. 
I do not dispute the original loan amount but believe Sallie Mae failed to provide adequate assistance or communication before reporting late payments which was abusive and unjust. 
I am requesting the Consumer Financial Protection Bureau 's assistance to : - Investigate Sallie Mae 's handling of my hardship requests and delinquency reporting - Facilitate a fair resolution consistent with my settlement proposal - Ensure accurate and fair credit reporting going forward I am willing to provide supporting documentation upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
( Misrepresented as Original Creditor ) Account # XXXX I am filing this complaint regarding multiple Fair Credit Reporting Act ( FCRA ) violations by XXXX  and TransUnion concerning account # XXXX on my TransUnion credit report dated XX/XX/XXXX. 

Specific Violations : 1. Inaccurate Reporting FCRA 1681e ( b ) Account falsely lists XXXX XXXX XXXX XXXX as the Original Creditor XXXX XXXX XXXX XXXX is a debt collection agency, not an original creditor This misrepresentation violates maximum possible accuracy standards No true original creditor has been identified 2. Incomplete Metro 2 Reporting Account shows Open account status inappropriate for a collection account 24-month payment history section states No payment history available to display Missing required data elements for accurate consumer reporting Violates industry standard Metro 2 formatting requirements 3. Dispute Processing Violations FCRA 1681i Credit report shows Account information disputed by consumer No evidence of proper investigation or resolution Account remains unchanged despite dispute notation Potential violation of the 30-day investigation requirement under FCRA 1681i ( a ) 4. Furnisher Violations FCRA 1681s-2 Failure to conduct a reasonable investigation of dispute Continued reporting of inaccurate information Failure to provide complete and accurate information to CRA This inaccurate reporting is damaging my credit profile and affecting my ability to obtain credit on favorable terms. The misrepresentation of a debt collector as an original creditor is particularly concerning and appears to be a willful violation.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Late Payment Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXXDepartment of Education XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Account # XXXX Dispute of Late Payment Reporting and Notification Failures To Whom It May Concern, I am disputing the inaccurate reporting of 10 late payment entries for XX/XX/XXXX on my account ( # XXXX ) by XXXX/Department of Education XXXX These entries were reported despite a XXXX forbearance granted until XX/XX/XXXX and an ongoing Income-Driven Repayment ( IDR ) application processed from XX/XX/XXXX, to XX/XX/XXXX. Additionally, XXXX failed to provide proper written notification of the forbearances end after XX/XX/XXXX, potential late payments, or defaults, violating federal regulations. I request the immediate removal of these entries from my credit report. 

On XX/XX/XXXX, I applied for an IDR plan. XXXX granted a XXXX forbearance until XX/XX/XXXX but did not notify me in writing ( via certified mail or with tracking with confirmation of receipt ) that it would end, relying only on untracked emails. A phone agent implied forbearance should continue due to my IDR application, but no written confirmation was provided. I received the IDR determination on XX/XX/XXXX. Despite this, XXXX reported late payments for XX/XX/XXXX, damaging my credit. 

These actions violate the following regulations : 34 CFR 685.205 ( b ) ( 9 ) : Authorizes forbearance during IDR processing and requires clear communication of payment status. Failure to notify me of the forbearances end after XX/XX/XXXX prevented me from avoiding late payments. 
Higher Education Act, Section 455 ( f ) ( 2 ) ( 20 U.S.C. 1087e ( f ) ( 2 ) ) : Requires servicers to protect borrowers from default with proper forbearance administration, including timely notice of changes.

Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) : Mandates accurate reporting. Late payments reported without proper notice are inaccurate.

15 USC 1692g ( a ) ( Fair Debt Collection Practices Act, FDCPA ) : Requires written notice of debt obligations ( e.g., late payments or defaults ) within 5 days of contact, with proof of delivery. Untracked emails do not comply, as no certified mail or tracking was provided. 
Enclosed with this letter : Copy of IDR application ( dated XX/XX/XXXX ) Copy of IDR determination letter ( dated XX/XX/XXXX ) I request that XXXX immediately remove the XXXX late payment entries reported on XX/XX/XXXX, from my credit report and notify XXXX, XXXX, and XXXX  of the correction. Please confirm compliance within 30 days. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX Enclosures : Copy of IDR application ( XX/XX/XXXX ) Copy of IDR determination letter ( XX/XX/XXXX )

Company response to consumer: Untimely response