vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Dear XXXX  Ombudsman Group, I am requesting assistance resolving a dispute regarding the servicing of my federal student loans after transfer to Nelnet. I was not properly notified of the transfer, my Income-Driven Repayment ( IDR/IBR ) plan was changed without my consent despite active auto-debit, and I was assessed improper late fees and interest. These errors have caused financial harm and negative credit reporting.

Key Issues : 1. 1. Loan Transfer Without Notice : My loans were sold or transferred to Nelnet without proper notification. I did not receive timely written communication from either my previous servicer or Nelnet, leaving me unaware of this change.

2. 2. Unauthorized Repayment Plan Change : I was enrolled in an Income-Driven Repayment ( IDR/IBR ) plan and making timely, automatic payments through auto-debit. Despite this, my plan was changed without my consent to a different repayment plan.

3. 3. Improper Late Fees and Interest : After the unauthorized change, I was assessed late payment fees and additional interest charges, even though I had auto-pay active and was making consistent monthly payments. These charges are unjust and have placed an undue financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-12 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: OK

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Made a purchase off of XXXX and Paypal is siding with the seller based of fake tracking number : XXXX. Which showed delived but nothing was received. The seller has also been banned from XXXX because he was scamming his client. I wiil share the screenshot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IN

Complaint narrative:
I am having trouble making my payments after a divorce and filing XXXX  XXXX bankruptcy in XXXX. The bankruptcy was discharged in early XXXX. I am several months behind on my payments and I have reached out to the company several times to get help with a pause in payments or reduced payments, etc. I was told that I could fill out an application but since I originally had a co-signer on the loan in XXXX  that I would need their signature and information. That was 18 years ago and I no longer have any access or knowledge of the co-signer so I have been told that there are basically no options and if I don't get the past due amount paid which is now over {$400.00}, they are going to turn it over to a collection agency. I am a single mother in a home with XXXX children and I work as a XXXX. I have attempted to file the paper work to have the loan forgiven with the lender twice with no responses back. The campus I enrolled at before transferring to the XXXX  XXXX XXXX was closed ( XXXX, Indiana ). There was high pressure to enroll on the spot when I visited the campus and was told that my program could be done completely online, which after enrolling and obtaining financial aid, it was found that the program could not be completed completely online so I had to transfer to the XXXX XXXX XXXX 

I also had a borrower defense claim for my federal loans approved earlier this year and all of my federal loans have been dismissed due to issues with XXXX XXXX  and UXXXX XXXX XXXXXXXX. This is the only loan that I have not been able to resolve. 

Additionally when I reviewed my payment status with XXXX  it shows that I have paid {$5100.00} in Principle, {$11.00} in Late Fees, and {$4400.00} in Interest for a total of {$9600.00} paid on an original loan of {$3300.00}. XXXX  is still saying I owe {$5100.00} in a Principle Balance which would end up being almost {$15000.00} paid total on the loan plus an additional interest. 

The loan was issued XX/XX/XXXX. I am at a point of wanting to seek legal counsel for predatory loan practices. This loan has been more than paid off for some time over 3 times the amount borrowed. 

They do not give any sort of repayment options to help lower my payment due to the cosigner issue and my balance due is over {$500.00}. I am at a loss and I don't know what to do. Their messages back to me just keep repeating the same thing and no one is actually offering to help me and I have reached out several times. I don't know how this was not included in my XXXX  XXXX Bankruptcy and I do not know why my Borrower Defense claim was approved, but XXXX the original lender of the loan won't even process a loan forgiveness application or provide any reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$120.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-12 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Multiple fraudulent activity transactions and withdrawals totalling of XXXX dollars. There's two separate fraud claims. XXXX for {$340.00} that was withdraws from a XXXX ATM that was not me. That claim was denied. The other claim is still pending. The notified me that they saw fraudulent activity and froze the account and these are transactions that are before that date.

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 2025-09-12 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: MO

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 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 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium debit collector agency that has been contacting me for an outstanding balance of {$3700.00}, I have been paying as much as I can through checks sent monthly. I've asked to settle the amount with a {$1000.00}. they came back today with agreement, during the call I asked them to send me a letter of agreement stating that they will send a XXXX balance upon receiving the check from with a {$1000.00}. they completely refused to send this letter out. I need them to send this letter out in order for me to send the check to close the balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-12 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: MS

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Hold of My Bank Funds by BMO Bank in XXXX, Florida To Whom It May Concern : I am submitting this complaint regarding the ongoing and unjustified hold placed on my personal bank account with BMO Bank in XXXX, FL. My account and funds are solely in my name. No third party has deposited or claimed these funds, and there is no legal dispute over ownership. 

I deposited my check of {$36000.00} in my name to my account ( XXXX ) on XX/XX/year>, by XX/XX/XXXX, the check was available, I went in XX/XX/XXXX to make a wire to my trading account with XXXX  and also make a cash withdrawal, they cancelled the wire and said they wont send the wire without any reason, when I asked further, they threatened to call Law enforcement on me for no reason. 

Despite this, BMO Bank has held my funds for over two months without releasing them to me or issuing a check. I have repeatedly contacted the bank to resolve the matter, but instead of providing transparency or a timeline for release of my funds, BMO has invoked law enforcement involvement in a manner that feels intimidating and coercive. At no point have I been charged with any crime, nor have I received any legal documentation or court order justifying this hold. 

This situation has caused me serious financial and mental hardship, as these funds are mine and should be readily accessible. I believe BMO Banks actions violate federal and state banking regulations, including : Federal Reserve Regulation CC ( 12 CFR Part 229 ) which governs the availability of funds and limits how long a bank may hold funds deposited into a consumers account.

The Consumer Financial Protection Act ( Title X of the Dodd-Frank Act ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial products and services. 
State banking laws which require banks to provide clear written notice of the reasons for any hold or restriction on a consumer account. 

I respectfully request that your office : 1. Investigate this matter promptly.

2. Require BMO Bank to provide a written explanation citing the legal authority for withholding my funds.

3. Compel BMO Bank to immediately release my funds and/or issue the check owed to me. 

Thank you for your attention to this urgent matter.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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