vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
I am currently on the SAVE plan. My loans have been placed on forbearance, and therefore, are not supposed to accumulate interest. I contacted Mohela because my loans have been accumulating interest. They said that it was an error and that they were back logged in updating the accounts. They said it would be updated the interest would be removed. As of today, XX/XX/year>, interest continues to accrue. I would like assistance in helping to correct my loan amount and the interest accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-03-05 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote a check ( XXXX ) to the NYS Department of Health {$30.00} for certified marriage certificate. See attached check image given by XXXX. {$30.00} dollers were debited from my account against my check. NYS DOH audit has not confirmed receipt of my payment to date. XXXX XXXX  issued a check image with missing information. The image provided by XXXX XXXX  shows a JP Morgan stamp with a hand written account number. There is no other information to show date and time of deposit, no payee account number or identification and my account number as payer is missing? I want JP Morgan to provide the missing information or an explanation why my check was not deposited into NYS DOH account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I believe I am a target of insider fraud. I was renting a vehicle from a local company who charged my account late in order to prevent me from being able to pay the following week on time, which caused me to lose days of work as this is a rental vehicle, which in turn prevented me from paying the following week, which caused me to owe late fees and they then took my vehicle. I know this was done deliberately because they are lying saying they never said what they said and that they didn't charge me because I didn't have money, but I did. I have had ongoing issues with multiple things regarding my finances since someone stole money from me in XXXX which has never been resolved. I have lost my home and everything I do to get back up has been sabotaged in some similar way, in that an employee does something wrong that causes these problems. I am feeling targeted by my community and I want this investigated. I have had my bank account for approximately 7 years, I have NEVER had an overdraft approved not once and they put my account on hold for funds as low as XXXX if they consider it suspicious when it is recurring membership payments for apps. When I called to ask why they paid over XXXX for this vendor but not for the prior amounts they have charged they first claimed it was a return check, I said the person on ap said it was paid and it's been on my account for over two weeks, then she transferred me to fraud department at my insistence. Then the women in fraud department claimed they paid this vendor at their discretion. What would cause MY bank to pay SOMEONE that kind of money without asking me about it. No I feel that this kind of thing added with the fact that the rental company is lying and the other things I've gone through is something else all together ... .no one is that unlucky to have people making these kinds of mistakes repeatedly with my things and it's not deliberate. I guarantee that in your investigation you will find that the person who processed this transaction was done locally and they know the people at XXXX who caused the issue to occur in the first place in some way. This transaction should have been declined I should not have to lose an account that I have had for almost 7 years because of a transaction that was caused by childish behavior in the first place. This is a serious concern and my whole life has been disrupted from this type of thing for years now but this time I'm not stopping until this is resolved properly in my favor. I am a customer of this bank and this is the second time that I know of that they have done something that has impeded my life in a severe way. This is a way to force me to have to pay a vendor who strong armed late fees out of me in the first place.

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 2025-03-05 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:
FTC Report NumberXXXX : I did not give Equifax written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX  ( Account Number : XXXX ) Invalid and Unverified Debt ( FDCPA Violations ) : Under 15U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: SC

Complaint narrative:
I received an offer for XXXX percent interest rate for XXXX months. I used the card within the time limit, they Immediately started charging Interest XXXX of XXXX. I called them on XX/XX/year> and told them I had this offer for XXXX Interest rate for XXXX months. They said they didn't have that code. They gave me another code and it did not work. They said I would get a letter from them to reverse the Interest. I never got the letter so I called again on XX/XX/year>. They that they would reverse it based on the offer I still to this date have not received anything from this company US Bank I have been paying payments every month on time. I have XXXX more payments to make and it will end up being XXXX months that I will have it paid off XXXX  months before the XXXX  month period.

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 2025-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
XX/XX/XXXX my loan went to XXXX XXXX XXXX and my payment went up. Now XXXX my payment went up again and the reason was because of insurance and property taxes. I got in touch with my insurance company and they stated that my payment changed from XXXX to XXXX. I checked my property taxes and they havent changed. Even though XXXX increased our payment. XXXX XXXX is telling me that they paid XXXX XXXX only {$810.00} of the {$1900.00}, and XXXX XXXX is telling me thats not true. I spoke with someone at the company and she stated that this what she has on file and there isnt nothing I can do about it, but pay the increase. 
The insurance went up {$1200.00} and the taxes went up {$140.00} none of this is true, and I need to know what I can do to get this issue resolved. So, that I can get my payment at the right amount. I asked if I could pay my own taxes and insurance and was told that I might qualify next year cause my loan has to be at XXXX percent and right now XXXX at XXXX percent.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
The amounts the representatives states I owed {$4100.00} that was not the amount that was supposed to be left on the amount. She then tries to offer me a lower amount to {$2900.00} then to {$2500.00} pay. I was not OK with any of those amounts at the end because I knew that I had already paid on the account which she couldnt find and she then offered me another amount which she states was the lowest that she can go, I asked cause she emailed this information to me and she stated that she could not send over and emails then took my number texts me a portal link and said Ill get a email after she tried to make me do a promise to pay XX/XX/2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year> I entered a chat with an agent asking if I could use a savings account to pay the balance off. I was told that I could so entered in all the information and a few days later was charged a return funds fee of {$30.00}. I reached back out to the company via chat and was told a savings could not be used, only a checking. I asked for the fee to be waived because I was given incorrect information. The agent said " the exception on the return check fee has been applied ''. Days go by and the fee is still showing on my account. I reached out again and was told it would be credited at the next billing cycle. Here we are at the new billing cycle and the fee is still on the account. I reached out to a manager who said he has credited the fee, but it will take XXXX hours to reflect on the account. I am not confident that this will be resolved based on my prior interactions. This is very frustrating and has wasted so much of my time if they would have given me the correct information in the first place. I will not be paying this fee since it was not my error and it better not reflect poorly on my credit report. I have attached screenshots of the chat histories.

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 2025-03-05 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: FL

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX  - Account # : XXXX Company Name : XXXX XXXX XXXX XXXX Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-05 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: GA

Complaint narrative:
Someone attempted to obtain a line of credit fraudulently from this company on XX/XX/year> at XXXX XXXX. 

I reached out to the company and informed them that I did not make the request for credit. I received and email from the company which also displayed an address that was not mine. XXXX XXXX  requested that I provide a police report so that they would close out the account and also update the credit agencies. 

As requested, I provided a police report as requested, but the company refuses to delete my information from their database. Theyve deactivated the account, however, fraud can still take place with a simple request to call into the company to reactivate the account. 

Theyve deactivated account needs to be removed as I never requested credit from this business.

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 2025-03-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I opened a FIXED RATE CD on XX/XX/year> for XXXX at XXXX %. They only deposited XXXX. This is a difference of XXXX. The branch associate said that my rate deposit is based on market value. I left the branch and started a CHAT with Bethpage ( Now Four Leaf ) who ran me in circles, then said I had to go BACK to the branch, as this was a " branch matter. '' I'm being given the run around.

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 2025-03-05 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 am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong tome and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove 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 2025-03-05 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have tried to resolve this issue with this company and they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I used chime to receive money from sister. She sent XXXX XXXX to my chime. When I tried to transfer the money to my bank account chime said I needed to wait til they send me a card in the mail and then once I activate the card I could transfer my money. A week goes by I kept checking my mailbox. Nothing came. So I went back on the app to try it again and the chime app said my account had been closed and for me to call the number and see what was going on. I called and the person told me that they took my account down because I hadnt used the chime app in so long. I asked where my money was that was in the chime app and he said that chime no longer had my money, he said chime sent the money to my state and I would need to contact the state of California to get my money! I asked what he was talking about and he wouldnt give me any information to help. I asked for a link or an email to who I contact to get my money and he said sorry mam I cant help you with that information. Chime stole my money and after going on XXXX and reading reviews this is an ongoing thing with chime. They have stole XXXX from customers. I need help getting my money that they stole

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-05 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Someone attempted to obtain a line of credit fraudulently from this company on XX/XX/year> at XXXX XXXX. 

I reached out to the company and informed them that I did not make the request for credit. I received and email from the company which also displayed an address that was not mine. XXXX XXXX  requested that I provide a police report so that they would close out the account and also update the credit agencies. 

As requested, I provided a police report as requested, but the company refuses to delete my information from their database. Theyve deactivated the account, however, fraud can still take place with a simple request to call into the company to reactivate the account. 

Theyve deactivated account needs to be removed as I never requested credit from this business.

Company response to consumer: Closed with explanation