vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Experian. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately.

Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VT

Complaint narrative:
Dear CFPB team, I am currently enrolled in the SAVE plan, which, per federal regulations, should be interest-free. According to studentaid.gov, enrollees were placed into administrative forbearance, with 0 % interest maintained. However, for the past several months, my Mohela portal has incorrectly reflected a 6 % interest rate, with interest accruing dailycausing my balance to rise from approximately {$240000.00} to {$250000.00}. 

Mohela has acknowledged this is an error and that no interest should be charged. However, despite repeated attempts to address this, they have refused to correct the issue or provide written confirmation of their acknowledgment. I have multiple recorded conversations with Mohela representatives substantiating these facts. The last conversation is attached to this complaint. 

This ongoing inaccuracy is unacceptable, and I request immediate corrective action. Please provide a clear resolution and written confirmation that my interest will be adjusted accordingly. 

Sincerely, XXXX 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account with late payment : Regions Bank - 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 2025-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX my brother XXXX XXXX, and friend XXXX XXXX did a cash out refinance with XXXXXXXX XXXX XXXX. It is a FHA loan with XXXX XXXX. They sold the loan a couple months later to Mr. Cooper. We have been with Mr. Cooper for over 5yrs. I have only been late with the mortgage twice .I am trying to assume the loan from my brother and friend. I am the owner of the property and Mr. Cooper made me successor on the property.. My brother nor, my friend do not live at my property. I have called Mr. Cooper and XXXX XXXX numerous times. XXXX XXXX XXXX stated my credit score has to be XXXX and my credit score is XXXX and XXXX credit score. I contacted XXXX XXXX and they stated that it is up to Mr. Cooper if I am not in ligation or foreclosure. Mr. Cooper is unprofessional, did not follow the proper guidelines with XXXX XXXX guidelines. The continued to lie and say on a record line that they will assume the loan. Then they gives me the run around stating that my credit score is denied. They sent me a credit denial decision with XXXX XXXX XXXX name, but the number is Mr. Cooper. They stated to me on XXXX XXXX, XXXX that it is NOT a Mr. Cooper loan but I pay Mr. Cooper as my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-01-29 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: AZ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.

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 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XX/XX/XXXXXXXX XXXX XXXX. 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 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-01-29 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:
Ive recently reviewed my credit report and notice that I had fraudulent activity please remove all fraudulent accounts thank you

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card Synchrony bank opened in person in a XXXX XXXX promotion in XXXX XXXX, NJ on XXXX a temporary shopping pass was issued, was told I will be receiving the card in the mail. I authorized a purchase in store that day and XXXX other purchases in NJ as follows ( fully paid for at this time ) : XXXX : XXXX, XXXX XXXX, NJ, XXXX : {$250.00} ; XXXX : XXXX, XXXX XXXX, NJ, XXXX : {$34.00} ; XXXX : XXXX, XXXX XXXX, NJ : {$26.00} ; XXXX : XXXX, XXXX XXXX, NJ : {$35.00}. I never received a card as promised. When I logged into my account on XXXX to pay the charges, there were new charges in XXXX from Florida stores totaling over {$350.00}! charged by a thief before I ever received it! Synchrony has duplicated the fraud transferring the amounts to a new account in my name! I asked them to cease and desist this but they have not! I demand this matter be investigated and resolved immediately! I will seek full criminal and civil prosecution under the law.

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 2025-01-29 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: WV

Complaint narrative:
Dispute Description for CFPB Complaint XXXX Collections Account ( Account # XXXX ) I am formally disputing the collections account reported by XXXX, account number XXXX. This account has been previously disputed, yet it remains on my credit report despite the lack of proper validation. I am requesting immediate removal of this account in accordance with my rights under federal consumer protection laws. 
Legal Basis for Dispute & Removal Request : 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Under this statute, furnishers of information ( such as XXXX ) are required to conduct a reasonable investigation when an account is disputed. Since this account has already been disputed, I demand proof that a legitimate and thorough investigation was conducted. 
If XXXX can not provide sufficient evidence of the debts validity, the account must be removed immediately.

2.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Debt collectors must provide verification of the debt upon request. If XXXX  or its assigned collection agency failed to provide accurate validation, this account should be deemed invalid and removed.

3.Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). If XXXX  has continued to report this account without proper validation, it violates consumer rights under federal law.

Request for Immediate Action : Due to the repeated failure to validate and the continued harm this account is causing, I am demanding the immediate deletion of this account from my credit report. If this issue is not resolved promptly, I am prepared to escalate my complaint through legal avenues, including further regulatory action.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$95.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-29 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
recently got a copy of my credit report and noticed some inaccuracies on my credit report this account is hurting my ability to obtain credit is my understanding that Equifax will investigate this account for me to ensure 100 % accuracy here is the account that I'm asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I called over 3 times for them to fix this glaring issue which they should've been able to fix over the computer. If they can see the issues. The issue was that I couldn't use my card since XX/XX/year>. One person said that I should take out XXXX dollars and it would fix the problem. I did that. Did not fix the problem. The second person, says that my account was restricted. And within the next hour, I should be able to use my card. I asked that I should be able to use the card. They said yeah, no problem. Okay, within an hour I can not use my card whatsoever. Called the third time, and a male picked up and said to me on the phone that there was no restriction. No nothing. 

There was nothing with my phone. Despite what I was saying. I had to constantly keep saying it until I was yelling and cursing at him. He finally said, he would check once more. Once again saying there was nothing there. I even asked for the supervisor, they said I had restrictions and they could not remove it. ONLY internationals can remove it. And change around said there was no restriction despite saying it was. And couldn't transfer me over to anybody else. That was the last XXXX. Everyone I talked to so far is XXXX who can barely speak XXXX and somewhat understand it. 

Calling the international number, they also can not help either as they can not do it.This is Serve Amex Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recoveryhas been calling daily for the last 3 years. When I used to answer just a recording, tried calling back nothing. When I block one number they call back using a different one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have discovered a fraudulent inquiry on my credit report that I did not authorize and have no knowledge of. This inquiry is both unauthorized and fraudulent, and I insist that it be removed immediately.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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