vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - I received a notification for a hard inquiry on my report. Immediately, I contacted all three credit bureaus to inform them that I did not submit a credit application and would like to file a dispute. They confirmed with me that the hard inquiry was from XXXX XXXX, and told me that I should call the creditor directly. Before reaching out to the creditor, I asked if there was any additional information needed from me to expedite the process, though I had no information/details on my end. I was assured that once I contact the creditor, they will then inform the XXXX credit bureaus that I was not the person who submitted the application. 

When I contacted the XXXX XXXX they confirmed that there was a credit application submitted in my name with a XXXX XXXX address attached to it. I told the representative that I have been living in XXXX, XXXX  for almost XXXX  years. Then, I was told that the creditor would reach out to the credit bureaus to inform them of the error and that it should be resolved within XXXX - XXXX  days. 

After the XXXX  day mark, I reach out to all entities to follow-up on the status of my dispute and was told to wait the full XXXX  days. Soon after, the hard inquiry dropped off of all reports except Transunion. 

I reached out on XX/XX/XXXX to get an update on my dispute ( Case # XXXX File # XXXX ) because the hard inquiry was still on my Transunion report. Unfortunately, I was told that my case was not being resolved between the credit and Transunion, and I needed to submit FTC report to resolve the 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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a request via phone to close the account ( in XXXX  ). 
I made a genuine attempt to notify all businesses with automatic payments. 
Months later, ( XX/XX/year> ) I received a bill for {$400.00}. The funds had accumulated because of an automatic charge from a business I did not remember. I had not received any notices in the mail or via email about these charges, so they sat for several months and accumulated interest. Most of the {$400.00} charge was actually interest fees. 
I asked them to provide a list of all businesses that still had automatic withdrawals from the account, so that I could contact them and stop all the automatic charges. They said they could not provide this information. 
I finally paid the {$400.00}, and requested that they block the card, so that no charges might go through. I asked the clerk to be certain that I would not be charged again in the future. He reassured me that the card was completely blocked from any further charges, and I should not have difficulty moving forward, I recently received an ill for {$75.00}. The statement did not include the total amount or the business that submitted the charges. American Express withdrew these charges from bank account. When I spoke to them on the phone, they had not fully blocked the card, and were still accepting charges. They could not find my request to block the card, although they did agree to block the card moving forward. I am still responsible for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NY

Complaint narrative:
First- all of my student loan and financial aid data has disappeared from XXXX XXXX XXXX I applied for forbearance from XX/XX/XXXX to XX/XX/XXXX. Received confirmation it was received by Mohela XX/XX/XXXX. There has been no communication regarding my application for forbearance. I can't get a hold of a person at Mohela, and I can't afford to make my student loan payments that are now about to go into default status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized charges and billing errors on my Capital One credit card account ending in XXXX. The issues are as follows : XXXX. Unauthorized Year-End Membership Fee : I was charged a year-end membership fee of [ {$39.00} ] on [ date ], which I did not authorize or agree to. This charge appears to be fraudulent, and I request that it be removed from my account immediately. 

XXXX. Improper Handling of Cash Back Rewards : On XX/XX/year> for XX/XX/year> statement, I paid my XXXX bill on time and offset the remaining balance using my available cash back rewards, as I have done for several years without issue. However, I was informed that Capital One no longer allows cash back rewards to be applied toward payments. I was not notified of this policy change, and when I requested documentation of this notification, I have yet to receive it. 
Explanation : My bill was XXXX I paid XXXX and used XXXX of cash back towards billing XXXX. Incorrect Late Fees : Despite applying my cash back rewards to my balance, I was charged a late fee of XXXX for an alleged outstanding balance of XXXX for an alleged outstanding balance of XXXX. I promptly paid XXXX to resolve this, but I was then charged an additional XXXX to resolve this, but I was then charged an additional XXXX late fee, claiming I still had an outstanding balance. This is incorrect, as my cash back rewards should have covered the remaining balance. 

XXXX. Failure to Notify of Policy Changes : I was never notified of the policy change regarding the use of cash back rewards for payments. Had I been informed, I would have adjusted my payment method accordingly. I request that Capital One provide proof of notification regarding this policy change. 
Resolution Requested : Remove the unauthorized year-end membership fee of {$39.00}. 
Reverse the late fees of XXXX and XXXX and XXXX, as they were charged in error. 
Provide documentation of the policy change regarding the use of cash back rewards for payments. 
Ensure my account is credited for any interest or fees incurred because of these errors. 
I have made multiple attempts to resolve this issue with your customer service team, but the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I reached out to new rez to inquire about removing my PMI in XXXX of XXXX. After several chats back and forth they finally sent me a form to sign and send back along with a check for {$150.00} dollars to pay for the Brokers Priced Opinion on the value of my property. After repeatedly following up I was told that my request was denied and had to have them resend the letter via email that I never received via XXXX. I finally got the copy of my XXXX sent via email as well after 3 emails, 15 phone calls and 5 chat sessions. The problem I am having is the length of time taking to resolve this issue is insane. By the time I got the copy of the XXXX I was 60+ days into this process only to realize the report contained gross errors of about 315 square feet because my home was remolded and the person that did the report did not remeasure and used old data on the county assessors website. This severely effected the valuation on my home so I requested a revision at the end of XXXX. At this point nobody from New Rez will acknowledge the discrepancy even though the company hired did a correct revision adding the square footage and sent the valuation back to New Rez for review. We are nearly SIX months into this and I still have no resolution on the removal of my PMI even though I have more than sufficient equity in my home. The last customer service rep I spoke with said I would have to pay for an additional XXXX  to address the concerns which is absolutely unbelievable that I am being punished at the incompetence of the company they hired. I should be allowed to challenge a factually incorrect report and use the updated value submitted by XXXX XXXX. The XXXX states my home is worth XXXX and I owe XXXX. Instead of being concerned with removing the over {$200.00} a month in fees new rez has continued to solicit me for a home equity line of credit or loan and will not address the primary issue of unnecessary fees on my home loan. {$200.00} a month might not be much to some but I have been dealing with this for what feels like an eternity. At what point does this become theft? Continuing to charge a premium for something that is completely unnecessary for their financial gain.

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 2025-02-20 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: TN

Complaint narrative:
I am a XXXX  of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to XXXX ( b ) ( 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 2025-02-20 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: SC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has XXXX my XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
Good Afternoon. I only have one credit card with XXXX XXXX, a personal loan for {$2900.00} and a Mortgage payment with CMG Mortgage as a ACH monthly payment from my bank and this is all. I decided to call XXXX Credit Company so they could explain to me why my credit beacon dropped XXXX points Since XXXXXXXX XXXX in thirty days from a score of about XXXX by XXXX XXXX wise credit for when i updated my current income and my credit allowed from {$2500.00} to {$5500.00} was increased in or around XXXX. So, according to XXXX at XXXX Credit the CMG Mortgage company decided to sell the portfolio to a XXXX XXXX XXXX on XX/XX/2025 after two years of making direct ACH payments on time to them. XXXX, just told me that because CMG Mortgage Company sold the portfolio to another Mortgage Company called XXXXXXXX XXXX that because the account was closed and portfolio sold to another Mortgage company even though I did not close the account directly or indirectly this would affect my credit beacon XXXX points or close to it. they are reporting incorrect credit fico of XXXX points or close to this and that affects my credit as to opening any credit account or barrowing money and having to pay a higher interest rate on something I have no control which is XXXX. My income is almost {$100000.00} a year and I do not need credit. But this is highway robbery making me look like I do not make my payments on time or i am a dead beat. This credit issue reporting credit errors which are not true and correct need to be stopped and I want some one from the federal government to call them and have my credit score changed back to back to XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
there are unauthorized inquiries on my TransUnion and Equifax credit report recently. 

TransUnion XXXX. XXXX XXXX XX/XX/2025 XXXX. XXXXXXXX XXXX XX/XX/2025 Equifax XXXX. XXXX XXXX XXXX XX/XX/2025 2025

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 2025-02-20 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC on XX/XX/XXXX for falsely reporting collection accounts on my credit report as " opened. '' I have never entered into any agreement with these debt collectors, nor have they provided proper validation of the debt as required by law. 

I previously disputed these accounts with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, but the accounts were not removed. The collection agencies have failed to provide sufficient documentation to substantiate their claims. Reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested validation of the alleged debt, but the collectors have failed to provide the required documentation proving that I owe the debt or that they have the legal authority to collect it. Any attempt to collect or report a debt without proper validation is a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
XXXX XXXX XXXX {$1200.00} on XX/XX/XXXX contacted the company told them that he was fraudulent activity they told me to contact my credit bureaus to dispute XXXX. XXXX XXXX {$1500.00} XX/XX/XXXX contacted the company told them that these transactions were fraud and not XXXX XXXX XXXXXXXX to reach out to credit bureau to dispute XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX disputed with company no results this was a fraudulent account TD BANK USA/TARGET {$970.00} Opened XX/XX/XXXX this it wasn't a fraudulent account I have no knowledge of this account TD BANK {$950.00} Opened XX/XX/XXXX this is a fraudulent account I have no knowledge of this account was open without my consent contacted the bank filled out a fraudulent report never heard anything back XXXX XXXX {$760.00} Opened XX/XX/XXXX this account was open fraudulently without my knowledge XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX This account was also fraud XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX this account was open probably without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Please see previous complaint XXXX. 
The company responded to my attempt to login. They sent me a login link and a temporary password. I used it and was able to login. So I considered the case closed. However I need to change my password, so I'm not using the one that they sent me. When I tried to change it, they asked for my current password. They would not accept the temporary password I was sent, I got a response saying " the current password you entered does not match our records. '' I tried the one they sent me before, same error message. I contacted the company via live chat, they said they'd send another password. They did and I was not able to change my password from the temporary one. They keep repeating the same things, I've used temporary passwords THREE TIMES TODAY. I need to change it from the temporary to a password that only I have, and they will not allow me to. Then they sent messages ( twice today! ) that they were suspending my account because they can not validate my records. I request that they ALLOW ME TO CHANGE MY PASSWORD INSTEAD OF PASSING ME FROM REP TO REP TO REP, NONE OF WHOM DOES ANYTHING DIFFERENT. And stop suspending my account claiming that they can't verify my information. 
This company quite obviously has serious security and website issues, and they have my private information, and they need to fix this.

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 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
There was an additional {$250.00} special assessment that I missed paying for the XXXX half of XXXX. I was made aware of it, and in turn paid, within the timeframe given. I have not had an escrow on my account for the XXXX  years I've had the mortgage and have never missed a payment. I therefore request that this escrow be taken down immediately. I am refusing to make additional payments until this issue is resolved. I have been dealing with this issue for XXXX months and am now behind. This is all recorded in conversations with them and I have sent a formal letter as well. Additionally, in the time I've asked them to remove the account, they've taken it upon themselves to pay the XXXX half of XXXX and did not tell me. I also paid for the XXXX half of XXXX so the situation has gotten even XXXX. I have proof of all payments.

Company response to consumer: Closed with explanation