vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
From a graduate of XXXX XXXX XXXX XXXX XXXXXXXX, Subsidiary of XXXX  : Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 2. Discharge all loans associated with fraudulent practices, including consolidated loans. 3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Thank you for your attention to this urgent matter. Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I contacted Freedom Mortgage in XX/XX/XXXX when I became a month overdue due to hardship. I proactively sought assistance and was told I would be enrolled in a relief program after submitting an application packet. 

The representative explained that after making three reduced payments under a modified plan, my past-due balance would be moved to the end of my loan as a lien, and I would be restored to good standing. 

However, after months of delays ( they did not approve me for the program until XX/XX/XXXX ), I made all required payments in XXXX, XXXX, and XXXX. When I contacted Freedom Mortgage to confirm my standing, they claimed the information I was given was incorrect -- that I was enrolled in a forbearance plan, not a modification plan, and that I should have called to request a separate modification program ( which no one advised me to do ). 

As a result of their misinformation and delays, I am now being told I must restart the entire process over, and I have been given a foreclosure date for XX/XX/XXXX despite following all the instructions they provided. 

I requested the recorded transcripts of my conversations with their agents ( since they state all calls are recorded ) to prove I was misled. I was told I can obtain these recordings with a subpoena, making it impossible for me to defend myself without costly legal action, and that they are taking action to " reprimand and retrain '' their agents. Their miscommunications should not be our liability! 

We have followed every instruction given to us by Freedom Mortgage, made the required payments, and attempted to resolve the matter directly for the past year before contacting the CFPB, and have retained copies of proof of payments.

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 2025-05-03 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Date : XXXX XXXX Amount {$300.00} Date : XXXX XXXX Amount {$540.00} Date : XXXX XXXX Amount {$100.00} Date : XXXX XXXX Amount {$85.00} I sent a Debt Validation Letter to dispute the inaccurate information with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> 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 15 USC 1681 ( e ) ( b ).

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

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

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 2025-05-02 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: MO

Complaint narrative:
I disputed account on my credit bureau with XXXX this account was originally XXXX XXXX and it was a private loan this loan was filed in XXXX in XXXX under XXXX XXXX and was dismissed XXXX took over XXXX XXXX and now theyre trying to report this as a charge off I submitted the bankruptcy number and they document showing that this account was under bankruptcy and XXXX XX/XX/year> this account fell off my credit file but was placed back on by XXXX XXXX Trans Union and Experian I have disputed with both credit files and it comes back verified submitted all documentation regarding the XXXX and the credit bureau will not remove this account and also there is an credit card account that was charged off and sold to another creditor this account was fraud the creditor that purchased it XXXX funding removed the collection from my bureau because of the fraudulent account the original credit holder will not remove the charged off account even though its been found to be fraudulent I have disputed these accounts over XXXX times sent documentation over XXXX times I dont know what to do they say it comes back verify but they wont tell me verified how

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 2025-05-02 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CT

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery stated they notified me, they had purchased my debt from XXXX XXXX  opened XX/XX/year>, but I never received any notification nor was I given a chance to dispute this debt. 

This debt is over the 7 year threshold of dropping off my credit report, and this collector Portfolio Recovery never mailed me any initial rights paperwork or notification of debt purchase. 

This directly goes against The Fair Debt Collection Practices Act as I never received Validation Information confirming the debt information or that this Collection agency took ownership of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint against Rocket Mortgage regarding the manner in which they process XXXX mortgage paymentsspecifically when payments are managed through their own automated program. 

I have been making XXXX mortgage payments for several years. Recently, I increased my XXXX payment to {$740.00}, which exceeds my full monthly mortgage payment of {$730.00}. This was done to ensure that the first XXXX payment would satisfy the full monthly amount due, and the second payment would be applied directly to the principalthereby reducing interest, which accrues daily based on the principal balance. 

However, despite paying an amount equal to or greater than the full monthly mortgage payment, Rocket Mortgage continues to treat the first XXXX payment as partial and does not apply it until the second is received. My first increased payment was made on XX/XX/year>, and I verified the amount exceeded my full monthly mortgage obligation. 

When I contacted Rocket Mortgage by online chat and phone on XX/XX/XXXX, I was initially told by their automated system that a full payment should not be considered partial. But after being transferred to a representative, the chat was abruptly ended when I was seeking clarification. A phone representative later confirmed that my payment would still be treated as partialeven though the full amount had been receivedand could not provide any written policy to support this handling. 

Notably, I was told that if I canceled the XXXX program and instead made the exact same {$740.00} payments manually, the payments would be applied upon receipt. It appears that Rocket Mortgage is applying payments differently depending on whether they control the XXXX schedule. This discrepancy only benefits Rocket Mortgage by generating more interest and creates a clear disadvantage for customers participating in their XXXX payment program. 

I do not recall receiving any clear written disclosures explaining this treatment of payments, especially after increasing the XXXX payment amount to exceed the full monthly amount due. I asked for the policy and was told no such policy existed therefore I could not receive anything in writing about this. 

This inconsistent and financially harmful practiceespecially when done without clear disclosuresmay constitute an unfair or deceptive practice under the Federal Trade Commission XXXX. I respectfully request an investigation into Rocket Mortgages practices and payment processing policies. 

I am willing to provide supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Debt Validation Request Account Opened : XX/XX/XXXX Amount Claimed : {$550.00} To Whom It May Concern : I am writing in response to a collection notice regarding an alleged debt in the amount of {$550.00}, which you claim I owe and state was opened on or around XX/XX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting full validation of this debt. 

Until you provide all of the following documentation, you are required to cease all collection activities, including reporting this account to any credit reporting agencies : A complete itemization of the debt, including the original balance, interest, fees, and any other charges. 
The name and address of the original creditor. 
Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ). 
Evidence that you, Jefferson Capital Systems , LLC, are authorized to collect debts in the XXXX XXXX XXXX 
Documentation verifying that the debt is within the applicable statute of limitations. 
Copies of any judgments ( if applicable ). 
Proof that this debt has not resulted from identity theft or error. 

If you can not provide proper validation, I demand that this alleged debt be removed from all credit reporting agencies immediately and that you cease all further collection efforts. Please consider this letter formal notice that I am disputing this debt in its entirety and requesting immediate investigation and removal. 

Should you continue collection activities without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX State Attorney Generals Office. 

I expect a response within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-02 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I called the company again. Please refill the complaint with the feedback from the one that was labeled closed. It most certainly is not closed. They are lying even on their phone menues. If they can't get their office hours correct, and I provided an explanation for why they are wrong with hard data fem hard copies, how can they be trusted? They are cheating students. In my case, it's only a few XXXX bucks, but they have never provided a correct explanation for the cheat. It's clearly a cheat. They lied to me for several years at this point and must fix the issue. I found just XXXX line item to have an issue of over {$150.00} and walked them through it. They had no explanation. They said a rep would call with XXXX. They haven't. They lied years ago and continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.

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