vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX 2025 i called XXXX Credit Card they let me know i had over 3 incorrectly numbers on my credit profile as well as a incorrectly address and email. I have 3 late payments on my credit profile that XXXX must removed due to inaccuracies. I also called on XXXX-2025 and it was a number ending in XXXX that is not my phone number attached to my account. When i requested the full number, i was not told the whole number which I did request and that number was removed from my account as well. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) the creditor must report accurate information. I never added said numbers to my account profile so late payments must be removed. Also the inaccuracies of phone numbers, addresses as well as email made me unreachable to correct said late payments. They must be removed under this pretense alone.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX 2025 i called XXXX Credit Card they let me know i had over 3 incorrectly numbers on my credit profile as well as a incorrectly address and email. I have 3 late payments on my credit profile that XXXX must removed due to inaccuracies. I also called on XXXX2025 and it was a number ending in XXXX that is not my phone number attached to my account. When i requested the full number, i was not told the whole number which I did request and that number was removed from my account as well. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) the creditor must report accurate information. I never added said numbers to my account profile so late payments must be removed. Also the inaccuracies of phone numbers, addresses as well as email made me unreachable to correct said late payments. They must be removed under this pretense alone.

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 2025-07-18 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: NJ

Complaint narrative:
On XXXX 2025 i called XXXX Credit Card they let me know i had over 3 incorrectly numbers on my credit profile as well as a incorrectly address and email. I have 3 late payments on my credit profile that XXXX must removed due to inaccuracies. I also called on XXXX2025 and it was a number ending in XXXX that is not my phone number attached to my account. When i requested the full number, i was not told the whole number which I did request and that number was removed from my account as well. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) the creditor must report accurate information. I never added said numbers to my account profile so late payments must be removed. Also the inaccuracies of phone numbers, addresses as well as email made me unreachable to correct said late payments. They must be removed under this pretense alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Kept getting hung up on, no answer, no help or stating anything to end call. Eventually this led to me getting someone who requested different PII information to verify. I refused with agent and supervisor escalated to.

However, they proceeded to have a 1 hour conversation providing PII account information that wasnt being requested.

The concern is either my information is attempting to be stolen by staff or I wasnt verified and my account information is being provided without verification.

Its ridiculous that occurred weeks ago and I havent been able to get call back or anything. The way this company does business is awful. Might want to look at not allowing your people to work from home based on whats happened with those Ive interacted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have had a serious and ongoing negative impact on both my credit score and my ability to achieve financial stability and freedom.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: VT

Complaint narrative:
I received 48 month loan at0 % interest to buy a XXXX XXXX XXXXXXXX. As of XX/XX/XXXX the truck has a balance remaining of {$10000.00} with 20 months or 20 payments remaining as I have made additional principal payments. As the loan is 0 % interest I believe the monthly payment should be XXXX XXXXXXXX which is {$10000.00} divided by remaining 20 payments. However, GM financial is demanding I continue to pay XXXX XXXXXXXX saying

that I have too. When I ask questions they refuse to talk to me. I was told by the sales manager and Finance Manager when I bought the truck I could make principal payments, and it wouldn't negatively effect me they even said would just loan your monthly payments as the terms are 48 months at 0 %.

SO I WAS LIED TO. SEEMS TO BE A HUGE XXXX  WITH GM FINANCIAL. 

They are also threatening to not service my account because I exercised my right to speak to the State of Vermont Attorney Generals Office division that helps consumers are these people for real?

I only owe {$10000.00} on a loan that was issued to me with a 48 month timeline. If the loan has 20 months left then the monthly amount should be XXXX XXXX ( {$500.00} x XXXX = {$10000.00} ). 

IF CFPB doesn't do something about this what is to say GM Financial doesn't tell me I owe them {$1000.00} next month or the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX inaccurately reported a 30-day late payment to the credit bureaus after I returned my leased vehicle on XX/XX/year>. The account was officially closed on XX/XX/year> by them, and I was even issued a refund check for {$0.00}, showing that there was no outstanding balance and that the account was overpaid and not delinquent status ( XXXX XXXX has this check records since I disposed of it ). 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I contacted XXXX XXXX  by phone regarding the status of my account and a notice of a past-due payment, and I was assured by a customer service representative that this would not affect my credit report. However, shortly after, a 30-day late payment for XX/XX/year> appeared on my XXXX  and XXXX  credit report, which caused my credit score to drop by over XXXX points. 

I disputed this directly with XXXX, who forwarded the dispute to XXXX XXXX XXXX  verified the late payment as accurate, despite the fact that I had already returned the vehicle and the account had been settled. 

I then contacted XXXX XXXX  again, on XXXX XXXX and XXXX XXXX and they told me to dispute with the credit bureaus because they do not see that they reported a late payment. This contradicts what appears on my credit report and shows a lack of transparency and responsibility. I have documentation proving : My call logs to XXXX XXXX that proves Ive tried to resolve this issue with them The lease was returned on XX/XX/year> The account was closed on XX/XX/year> A 30-day late mark was reported to XXXX  and XXXX  in error I am requesting that the CFPB intervene and require XXXX XXXX to conduct a full reinvestigation of this account.Remove the inaccurate 30-day late payment from all credit reporting agencies and confirm in writing that my account is paid in full with no late payments reported after the lease return.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX has failed to resolve it through reasonable means by denying they reported this and refusing to offer a solution when it is reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
On or about XX/XX/year> I received a letter from PHH mortgage stating my mortgage payments increased due to a claim that I lacked hazard insurance. I immediately contacted my insurance provider XXXX, which confirmed my coverage for XXXX and provided proof of insurance to PHH. 
Shortly after I received another letter from PHH stating I was not covered from XXXX. Once again, I contacted XXXX who promptly sent proof of coverage for those dates as well. 
Despite providing proof of insurance coverage twice, PHH has continued to harass me, claiming I have missed payments due to " lack of insurance, '' which is false. I have contacted PHH Mortgage multiple times, and each time I was assured the issue would be resolved, but it has not been corrected.

In the past, PHH Mortgage has misplaced one of my mortgage payments, causing me additional stress and financial concern. I am now crying out for help as I am being unfairly targeted and financially harmed due to PHH Mortgage 's errors and negligence.

Please address this matter immediately, as it is causing me significant financial and emotional distress.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Bank of America MBNA credit card services for engaging in what I believe to be deceptive and financially harmful practices related to auto payment options on my credit card account. 

A few months ago, I borrowed {$8000.00} on a promotional 0 % APR offer with the understanding that I would be able to manage the repayment responsibly through automatic payments. However, I have discovered that Bank of Americas MBNA platform only allows me to set up automatic payments for the minimum balance duecurrently $ XXXX does not allow me to schedule auto payments for a higher fixed amount or the full statement balance. 

This restrictive policy forces me to make manual payments each month if I want to pay down the balance faster, which : - Defeats the purpose of an auto-pay system ; - Exposes me to the risk of missing payments due to oversight or timing issues ; - Potentially leads to a default or interest charges if I unintentionally rely on their auto-pay system ; - Creates a false sense of security for consumers who assume their auto-pay covers more than the minimum. 

When I contacted their customer service, I was told this is simply how the system works, and there is no way to set up auto-pay for more than the minimum payment. This is not just inconvenientit is predatory and could mislead customers into long-term debt traps. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. I believe consumers should have the right to automate responsible repayment behavior, not be boxed into minimum-payment traps that benefit the lender at the customers expense. 

Please help ensure that Bank of America MBNA : - Allows customers to set auto payments for a fixed amount higher than the minimum, or the full statement balance ; - Stops policies that encourage financial mismanagement or place consumers at increased risk of fees or default. 

Thank you for your attention to this matter. 

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been notified that my information was released the data breach. I did not authorize any of this inaccurate information and I'm a victim of identity theft.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Beginning XXXX/XXXX/XXXX, the date my account was closed, I have made several written and telephone requests for Citibank : ( 1 ) to pay me the funds that were on my account at the time my account was closed, and ( 2 ) to provide me with a closing/activity statement at the time my account was closed.

Citibank has failed to address or comply with both of the above requests.

To further support my case, I have also attached the Citibank written acknowledgement of one of several transfer requests and direct deposits. 

I am an active seller on XXXX and all the direct deposits into my Citibank account XXXX XXXX XXXX XXXX XXXX are my sales receipts deposited directly by XXXX for the period XX/XX/XXXX to XX/XX/XXXX. As evidence of this, I have attached the direct deposit payment transactions report for the period in question, as provided to me by XXXX. 

The purpose of this complaint is for Citibank to : 1. Pay me the funds that were on my account at the time my account was closed.

2. Provide me with a closing/activity statement at the time my account was closed.

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