vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have received calls since XXXX 2025 - multiple times a day from Mohela telling me my loan payment is overdue. The number comes from a XXXX area code, which isn't listed on the Mohela website, so I will not give them payment information when they call. They've now called from XXXX different phone numbers, all with a XXXX area code. I logged into my Mohela account online to make a payment and it states my loan is no longer with them. I logged onto XXXX and their site confirmed I have no loans with Mohela. I've called Mohela multiple times from the phone number on their website and have been told each time that I have no loan with them and it was transferred to another provider. Yet, I've received XXXX calls today plus an email telling me I now owe last month and this month 's payment. I have no problem making the payment from a financial aspect, but I keep getting harassed for a payment that Mohela says they don't even have my loan account for. They've also called my family harassing them for my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
This 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.

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 2025-02-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-11 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-11 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: EQUIFAX, INC.
State: FL

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, Account name : XXXX  XXXX  XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by XXXX  years.

15 U.S.C 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( 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 explanation
Consumer complaint received 2025-02-11 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was checking my credit report and I noticed that I had a 30 day late payment on my credit report for JPMCB CARD. I called them to see what was going on and they claimed I had a {$29.00} late payment that was over 30 days out. No electronic or by mail bill was ever sent to me or else I would have resolved this immediately. They said they credited back the {$29.00} but it still gave my credit score a nasty hit. They refuse to help me in any way by accurately reporting to all 3 credit bureaus and I have never been late on any of my bills by 30 days. I tried disputing it with the credit bureaus and they initially removed it from my credit report and then added it back a few months later. I tried disputing it again and they are just kept getting more aggressive towards me and flat out refuse to help correct this issue that they have caused. I'm at the end of my rope and I have no where else to turn on this issue. I have always taken pride in keeping my credit in great shape and this is causing me a lot of issues for any furture loans I need. Any help would be very helpful and appreciative. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This company will not give me access even to their phone. I tried their own funds and Im also blocked. I did a star XXXX which blocks my number and it let me in but then once Ive hit my loan number it kicked me out of the system, I have a refund check coming. I wanted to confirm that they have my new mailing address. I also needed a two-year mortgage history for the purchase of a new home discontinued abusive behavior is unbelievable. They are one of the reasons I sold my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute Letter Civil Liability for Negligence under 15 U.S.C. 1681o Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate and/or improperly handled information under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting civil liability due to negligence as outlined under 15 U.S.C. 1681o.

The matter pertains to [ describe the issue, such as an inaccurate credit report entry, failure to investigate a dispute, or improper sharing of information ]. The details of my claim are as follows : Account Name/Number : Date of Dispute or Incident : XX/XX/year> Nature of Negligence : [ Explain the negligent action, such as failure to conduct a reasonable reinvestigation or failure to update/correct information after being notified ] I have previously attempted to resolve this matter by [ mention prior actions taken, such as submitting disputes, contacting customer service, or providing supporting documents ], but the issue remains unresolved.

Under 15 U.S.C. 1681o, you are liable for failing to comply with the FCRA due to negligence. As a result of this failure, I have suffered damages, including but not limited to [ list any financial losses, credit denials, emotional distress, or other harm suffered ]. 

To resolve this issue, I request the following : Immediate correction or deletion of the inaccurate information.

A detailed written response confirming the actions taken.

Compensation for damages suffered due to this negligence, if applicable. 

If this matter is not resolved within [ reasonable timeframe, e.g., 30 days ], I will be compelled to pursue further legal action, including seeking damages and attorney fees as permitted under the FCRA. 

Please consider this letter a formal notice and take the necessary steps to rectify the situation. I expect your prompt response to address this matter appropriately. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-11 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute Letter Civil Liability for Negligence under 15 U.S.C. 1681o Dear Consumer Financial Protection Bureau I am writing to formally dispute inaccurate and/or improperly handled information under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting civil liability due to negligence as outlined under 15 U.S.C. 1681o.

The matter pertains to [ describe the issue, such as an inaccurate credit report entry, failure to investigate a dispute, or improper sharing of information ]. The details of my claim are as follows : Account Name/Number : Date of Dispute or Incident : XX/XX/year> Nature of Negligence : [ Explain the negligent action, such as failure to conduct a reasonable reinvestigation or failure to update/correct information after being notified ] I have previously attempted to resolve this matter by [ mention prior actions taken, such as submitting disputes, contacting customer service, or providing supporting documents ], but the issue remains unresolved.

Under 15 U.S.C. 1681o, you are liable for failing to comply with the FCRA due to negligence. As a result of this failure, I have suffered damages, including but not limited to [ list any financial losses, credit denials, emotional distress, or other harm suffered ]. 

To resolve this issue, I request the following : Immediate correction or deletion of the inaccurate information.

A detailed written response confirming the actions taken.

Compensation for damages suffered due to this negligence, if applicable. 

If this matter is not resolved within [ reasonable timeframe, e.g., 30 days ], I will be compelled to pursue further legal action, including seeking damages and attorney fees as permitted under the FCRA. 

Please consider this letter a formal notice and take the necessary steps to rectify the situation. I expect your prompt response to address this matter appropriately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage : My spouse passed away XX/XX/XXXX, he was the one that took out the mortgage XX/XX/XXXX and I am the successor of interest. It took several months to get to the proper department-multiple phone calls, emails, faxes, etc. in spite of providing the proper documentation from XX/XX/XXXX through XX/XX/XXXX. I was getting misinformation and ping ponged between multiple departments & people in addition to emails that were of someone else 's loan information. They did not supply with the proper paperwork as guided by RESPA-deed, loan terms escrow, insurance, taxes, etc. I have kept the mortgage up to date. 
As of XX/XX/XXXX, I was notified via letter that I was denied the assumption but did not state the specific reasons. Within the letter, it states that I can request a statement of specific reasons. I have requested via phone and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Despite being asked for the entire accounting of my assets, or the ability to lower the balance, never were those considered when making their calculations, just the income. This situation is forcing me to attempt to refinance and force those extra costs onto 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 2025-02-11 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete name and address. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

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 2025-02-11 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: MI

Complaint narrative:
I recently received a copy of my credit report and noticed that the information it contains is inaccurate and incomplete name and address. 
This inaccurate information is negatively impacting my credit score, and I believe it is incorrect. Under 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data reported to credit agencies. As such, this erroneous information is damaging my credit. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request that you investigate this matter and either remove or correct the inaccurate information on my report. 
I have attached a copy of my credit report highlighting the incorrect information for your review. Please take prompt action to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX performance Savings account. The deliberate obscurity and lack of transparency violated Consumer financial Protection Act ( CFPA ) and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation