vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am seeking your assistance regarding an ongoing issue with my student loan servicer, MOHELA. 

It has been several months since I was placed on deferment, yet I still have not been granted access to my account, preventing me from setting up any type of payment plan. Whenever I attempt to log in, my account remains locked. When I contact MOHELA, they claim I do not have an account, but when I speak with StudentAid.gov, I am informed that my account does indeed exist.

I am deeply concerned that I will be marked as delinquent and unable to make payments on my loans by XX/XX/XXXX, which would have serious financial consequences. It seems as though MOHELA is setting me up for failure, possibly with the intent to issue a garnishment order, which is unfair given that I am actively trying to address my loan situation. 

I am seeking your guidance and support on how to resolve this issue. I have exhausted all available options with MOHELA, and I am unsure how else to proceed. 

Calls Placed to Moehla : Timeline of MOHELA Contact Attempts XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account locked ; no resolution after call. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account still locked ; MOHELA claims no account exists. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : No resolution ; account still locked, error message received stating no account found. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : MOHELA still unable to assist ; locked account persists. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Continued account lock ; error message upon entering full name, XXXX, and date of birth. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Same error ; no account found despite information matching. 

XX/XX/XXXX Date : Friday, XX/XX/XXXX Issue : Account still locked ; no progress made despite multiple calls. 

XX/XX/XXXX Date : Monday, XX/XX/XXXX Issue : Account remains locked, still receiving error when trying to unlock. 

Emails sent to California XXXX XXXX XXXX and California XXXX XXXX XXXX on Monday, XX/XX/XXXX. 

Your assistance in advocating for a solution would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The mortgage company increased my payment by well over {$1200.00} which makes it nearly impossible for me to make these payments. I requested lower payments and was denied many times. I explained to them that the pandemic was very difficult for me financially and that I am able to now make my original mortgage payments but they did not reduce my payment. In fact my payment increased, making it more difficult to manage. My mortgage payment went from {$2100.00} to {$3500.00}. There is no way for someone to afford that and manage to live.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
I am filing a formal complaint against Experian for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite providing detailed evidence supporting my claims, Experian consistently responds within 24 hours stating that the accounts are accurate without offering any indication of a thorough investigation.

This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when consumers dispute information in their reports. Additionally, Experians conduct may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against Experian for similar violations. 

The CFPB 's lawsuit rightly points out systemic issues, including Experians failure to forward consumer-provided evidence to furnishers, acceptance of unreliable furnisher responses, and inadequate notifications to consumers. These are critical concerns that mirror my experience and undermine consumer rights. 

Despite my numerous attempts to resolve these inaccuracies, Experian has failed to correct or remove the disputed items, causing ongoing harm to my credit standing. I respectfully request the CFPB 's intervention to ensure Experian complies with federal law and provides the necessary evidence of a reasonable investigation. I am seeking immediate corrective action to remove or amend the disputed accounts as Experians inaction violates my rights as a consumer. 

Thank you for your time and assistance in addressing this 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX, RE : Notice of Violation of the Fair Debt Collection Practices Act XXXX Acct : XXXX Dear Credit Collection Services, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p .

If you are not aware this entire claim is regulated by an arbitration agreement with The company that originated this account, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I requested Navy Federal to investigate and provide validation of the debt. Instead of forwarding me the required documentation to validate the debt, the company transferred the account to debt collection agencies XXXX XXXX XXXX, which also failed to provide proper validation as required by law. 

I have been disputing this account since XX/XX/year> with both Navy Federal and the credit bureaus ( XXXX, XXXX, and XXXX ). Despite my repeated requests, I have not received any resolution or the legally required documentation proving the validity of this debt within the 30-day timeframe.

Since neither Navy Federal nor the debt collectors have provided verification, I am formally requesting the immediate deletion of this account from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Klarna AB
State: CA

Complaint narrative:
I purchased a gift card from Klarna for XXXX XXXX  XXXX interest.This. card was used to buy groceries from XXXXKlarna paid XXXX for the card in the amount of {$100.00}. 
Well, Klarna charged me {$100.00} + XXXX for a {$100.00} gift card.I tried to explain I was being charged twice.They said call XXXX, they can refund the money, XXXX said no call Klarna.I only used {$85.00} of the card.Thehave me owing them almost $ XXXX am not to going to pay no more than I owe.This is a scam on both companies, perfored by these people.I have several emails from Klarna about these charges. No resultion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Equifax Are you ready to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of the rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against experience for his way to properly investigate consumer disputes Signings, shame, investigations, and other unlawful practices. These practices as outlined by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I had disputed an account on my credit file to Equifax XX/XX/XXXX as well as the 3 major credit bureaus. Equifax file # XXXX All of the information was submitted by mail for the first time on or about XX/XX/XXXX via certified mail as well as several subsequent mailings to XXXX, XXXX, Equifax and XXXX. An investigation was done and I was notified by every agency except for Equifax that the file was removed from my report permanently. I had called Equifax several times and had been given verbal confirmation that this file was removed after the 30 day waiting period when the merchant/account in question did not respond to Equifax 's requests. Since late XX/XX/XXXX this file has not been listed on any of the 3 bureaus listed, however XX/XX/XXXX I was denied credit due to Equifax reporting this account on my file. The agent for Equifax stated " it just recently started reporting again '' and " there was nothing they could do about it '' Equifax also stated that they have NEVER received any documentation from me regarding this account when their is an existing file number and this was investigated and removed only to be reinserted which is a violation and willful non-compliance under the statutes. This statement is inaccurate as all bureaus received several letters, court filings etc regarding this account via certified mail. I will be taking legal action against Equifax for violations of the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the reporting of bankruptcy on my credit report, which I believe has been submitted without my consent. I request the immediate investigation and removal of this entry, as it is inaccurate and potentially damaging to my credit profile.

According to the FCRA 15 USC 1681 I am entitled to dispute any information that I believe is incorrect or incomplete. Specifically, 1681 ( i ) mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a notice of dispute.

The bankruptcy claim in question is listed as follows : Bankruptcy :
US BKPT CT XXXX XXXX Ref # XXXX Date Filed : XX/XX/year> I did not authorize this bankruptcy filing, nor am I aware of any legitimate basis for its inclusion in my credit report. As such, this information is only inaccurate but also a violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the reporting of bankruptcy on my credit report, which I believe has been submitted without my consent. I request the immediate investigation and removal of this entry, as it is inaccurate and potentially damaging to my credit profile.

According to the FCRA 15 USC 1681 I am entitled to dispute any information that I believe is incorrect or incomplete. Specifically, 1681 ( i ) mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a notice of dispute.

The bankruptcy claim in question is listed as follows : Bankruptcy :
US BKPT CT XXXX XXXX Ref # XXXX Date Filed : XX/XX/year> I did not authorize this bankruptcy filing, nor am I aware of any legitimate basis for its inclusion in my credit report. As such, this information is only inaccurate but also a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to file a complaint against Wells Fargo regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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 2025-02-04 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: WA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to ensure Experian 's compliance with the FCRA regarding inaccurate addresses on my credit report. 
The following addresses are incorrect : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX The correct addresses are as follows : XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 611 ( a ) ( 1 ) ( A ) concerning Right to Dispute Inaccurate Information - `` If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. ''

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 2025-02-04 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: NY

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


XXXX XXXX XXXX XXXX  account 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 2025-02-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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