vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
To Whom It May  Concern, I am writing to formally file a complaint regarding the mishandling of my federal student loan account in connection with the closure of the XXXX XXXX and the relief measures announced by the XXXX XXXX XXXX XXXX. 

I attended the XXXX XXXX, one  of the institutions identified by the U.S. Department of Education as eligible for full federal student loan discharge due to documented misconduct and the eventual closure of the school. Per the guidance released by the Department in XXXX, borrowers like myself are entitled to full cancellation of their loan obligations, and accounts should be placed in forbearance or discharged accordingly. 

Despite this, my account remains active and in collections with XXXX, who has indicated that they have received no direction or documentation from the Department of Education regarding the cancellation or forbearance of my loan. I have reached out to both the Department and XXXX multiple times, and each continues to refer me back to the other without resolution. This lack of communication and coordination between your office and your contracted servicer has left me in limbo and subjected me to continued financial and emotional distress. 

I am requesting immediate action from the Department of Education to : Confirm my eligibility for loan discharge due to the closure of the XXXX XXXX and misrepresentations acknowledged by the Department. 
XXXX XXXX to cease collections and place my account in administrative forbearance pending resolution. 
Ensure the discharge is processed and reflected appropriately in my account and credit reports. 
Please consider this letter a formal request for urgent attention and resolution. I am attaching any supporting documentation I have regarding my enrollment and communications with XXXX. I am happy to provide additional records as needed. 

I appreciate your prompt assistance in this matter, as this situation has gone unresolved far longer than is acceptable, especially given the clear guidance issued by your department. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
someone told me they do credit repair, they took my information and did fruad

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 2025-07-11 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

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 2025-07-11 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: OK

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with Oklahoma XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that Oklahoma XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

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 2025-07-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Ex
perian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I am XXXX XXXX XXXX, I live with XXXX, and I have been desperately trying to access the money in my Santander Bank account, but have been denied again and again without a clear explanation. 

I have now traveled in person to XXXX Santander branches : XXXX XXXX, PA XXXX, PA XXXX XXXX, PA At each location, I was turned away, asked to go somewhere else, or told nothing could be done. These repeated trips have caused me great financial and physical hardship. 

I am on a limited income. Gas now costs about {$3.00} a gallon, and each round trip to these branches takes XXXX to XXXX miles, costing me up to {$20.00} per visit. I have made these trips multiple times and I still can not get to my money. 

I need these funds urgently. I have to buy medication for my XXXX, and right now I am being forced to sell my own bed just to survive. 

I am not under any legal hold, nor have I been given a valid written reason why I cant withdraw my own funds. 

I am now requesting the following : XXXX. That my account be closed immediately at my request. 
XXXX. That I receive a cashiers check or cash for the full balance. 
XXXX. That I be given a written explanation if you claim you can not release the money. 

If this matter is not resolved immediately, I will file a formal complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Pennsylvania Attorney General Any relevant financial oversight body that protects the rights of seniors and consumers This situation is dangerous, unfair, and completely unacceptable. Please do what is right and help me access what is mine They sad I dont sign the check thats a lie Santander bank is scamming 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
At the end of 2024, I had switched my primary bank. While i had updated what I thought were all of my American Express Autopays to reflect the new account, I had failed to capture XXXX of them. When I noticed the funds did not clear my bank the day the payment was due, I had contacted American Express to let them know what happened and immediately paid my balance in full ; however, i was told a XXXX XXXX would still be assessed. While I was annoyed ( as not only have I ever been late on single credit card payment my entire life, but I have also always paid my statement balance in full ), I wasnt going to fight them anymore on it given the nominal fee. 

However, a week later, I noticed several hundreds of dollars in interest charged on my account related to this. I called American Express back and they had informed me they talked to their supervisor and that the interest would be reversed the following month. I said ok and waited a month only to now find that not only was the interest not reversed, but that additional interest was charged despite by full statement balance being paid. I had contacted Amex again who told me it would be reversed the following month. The next month it was not reversed and when I asked why i was even charged the XXXX month it was because they charge you interest for XXXX months which is nonsense as i paid the statement balance in full immediately. I was told there was nothing else that can be done. I have been an Amex customer for decades which a perfect record until this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Going on day XXXX Ive been calling this bank every hour of the day and Im still not receiving any assistance at all. I cant even pay off my bills at the moment due to my funds being frozen in this account. I have no access at all I dont even know where my funds are they wont give me any information about my funds I even stepped into a branch to close my account and get my funds back since I cant use my account or card and they told me its nothing that they can do. Im very disappointed and dissatisfied I dont know what to do or how to go about this issue. I cant even feed my children at the moment it sucks how much pain and agony clients can go through knowing that their funds can just be taken away at any moment from a corporation. I am severely depressed because of this matter I dont know what to do or who to go to. Im gon na make this a civil case I have to report this I pray no one else goes through what Im going through at the moment this is so unprofessional. Please I pray that someone can help me Ill continue to fight for my funds but it feels like this is a battle I cant win

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I received a loan through XXXX XXXX on a 2016 XXXX XXXX. I have had exceptional payment history with them. They recently went out of business and sold my loan to Westlake Financial. My car payment is XXXX. For the first month ever I got in behind. On XX/XX/XXXX, I called and spoke with XXXX XXXX. We agreed I would pay XXXX that day ( XX/XX/XXXX ) and make the remaining balance of XXXX the following Wednesday which was XX/XX/XXXX. I called on the XXXX and was told Westlake Financial was now my lender. I was told to just wait for them to contact me for remaining payment. The following day, I received a call from them stating I owe XXXX. I told them I had already made XXXX of the payment in which they claimed not to have. They demanded XXXX. I have called SEVERAL times trying to get ahold of supervisors or just anyone that can help. I was told to contact XXXX XXXX and get a copy of my payment history in which I did and emailed it to Westlake financial, along with my bank statement showing I paid XXXX on XX/XX/XXXX. I have heard nothing. I called back, talked with someone else, they said they seen a payment of XXXX on XX/XX/XXXX. The remaining balance should have been XXXX. My car payment is due on the XXXX of every month. I am receiving calls, messages, texts, stating I am past due XXXX. I have almost paid this car off. I owe less than XXXX on it. The problem is nothing is correct. If they see a payment of XXXX ( they say ) my remaining balance would be XXXX, not XXXX. Can someone please please help me. Its been over a week with this new finance company and I cant seem to get anyone to help me fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Hello CFPB I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, it is established that individuals possess a fundamental right to privacy. Furthermore, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully XXXX and XXXX my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Wy XXXX, TX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2025-07-11 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, NY XXXX ACCOUNTS : XXXX XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 NJ XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC, serviced by Resurgent Capital Services, for an alleged debt of {$630.00}. The account was opened on XX/XX/XXXX and is listed as a collection account placed for recovery from a default dated XX/XX/XXXX. 

I sent a debt validation request on XX/XX/XXXX asking for documentation, including a signed contract, full chain of title, assignment records, and XXXX XXXX reporting. They have not provided any legal proof of ownership or documentation establishing that I owe this debt. 

Despite this, the account continues to be reported as a collection. This violates FDCPA XXXX, FCRA XXXX, and credit reporting accuracy requirements. 

I am requesting that this account be removed immediately and confirmation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXn\nthis CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information opened at 1. XXXX XXXX XXXX XXXXnThese accounts have resulted in fraudulent collections appearing on my consumer XXXX  credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXXprivate case number) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the 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 non-monetary relief
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in XXXX XXXX, I am formally requesting that they be removed within XXXX  days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

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