vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I refinanced my house prior to this new loan, which I did not request. I have been notified by loandepot that I must refinance my house loan. It is not something I wish to refinance. In essence, they checked my credit score without my knowledge. I was asked if I would like to proceed with the loan, and I said yes, but he did not mention checking my credit score. It was never mentioned that he would check my credit, so I would like to know if this is legal. So I asked him about it yesterday, which was the XXXX of XX/XX/year>, and he replied that I had to redo it because XXXX XXXX  had been audited by XXXX  loans. Consequently, I requested a cashout since I had previously refinanced my house and received {$30000.00} in cash. That made me suspicious because 1. he never asked for my permission for my credit check, 2. he said that I must or rather have to do another refinance, and it's like he's forcing me into a loan. Overall, I'm okay with the loan and payment I have at this time and I don't want to do a refinance. 
Below is his name. I want to know if this is legal, I'm not questioning his integrity or anything, I simply want to know if I'm getting into something that is legal. I'm making sure that I'm treated fairly and this is legit. 



XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am filing a formal complaint against Freedom Mortgage Corporation ( XXXX ID : XXXX ) for deceptive lending practices related to a mortgage refinance offer. Their misrepresentation of fees, failure to disclose material changes, and attempt to obscure increased costs amount to predatory lending and deceptive trade practices. 
Key Details of Misrepresentation In early XX/XX/year>, I was solicited by Freedom Mortgage Corporation with an offer to refinance my VA loan. The representative, XXXX XXXX XXXX ( NMLS ID : XXXX ), assured me of the following : Interest rate reduction of 0.5 %. 
The only cost would be a {$2700.00} loan origination fee, which would be added to the loan balance. 
A one-month skipped payment, which if still applied to the loan would in effect cancel the fee as the payment was more than the fee. 
However, when I received the second round of Disclosures on XX/XX/year>, I discovered the following material misrepresentations : 1. The total closing costs were actually {$8200.00}, nearly triple the originally promised cost. 
2. They attempted to obscure the cost increase by falsely claiming that my skipped payment was a financial savings.

3. Material changes to my loan were not disclosed upfront, and I was only informed of them through a " Changed Circumstance Letter '' after the fact.

4. The " Illinois Notice of Material Change in Loan Terms '' falsely listed " N/A '' in all sections, despite the significant increase in closing costs. 
Breakdown of Actual Costs ( from the Closing Disclosure ) Origination Fee : {$2700.00} ( originally disclosed ) Total Loan Costs : {$3400.00} Total Other Costs : {$5500.00} Lender Credit : - {$720.00} Final Closing Costs : {$8200.00} These figures clearly contradict the initial terms presented to me. 
Supporting Documents ( can be supplied on request ) Closing Disclosure ( Final Loan Terms & Costs ) Changed Circumstance Letter ( Retroactive Justification of Increased Costs ) Illinois Notice of Material Change in Loan Terms ( Incorrectly Filled Out ) Closing Disclosure Acknowledgment Requested Action I request that your office : 1. Investigate Freedom Mortgage Corporation for deceptive lending practices.

2. Take appropriate regulatory action to prevent similar misconduct, particularly targeting VA loan holders.

3. Require restitution or corrective measures to address the financial harm caused by these unfair business practices.

This type of misleading behavior preys on veterans and homeowners, misrepresenting cost structures while obscuring fees. I appreciate your attention to this matter and look forward to your response.

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 2025-02-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is preventing me from logging into my account to pay my bill. I have attempted to log in multiple times. On XXXX, XX/XX/year>, I was greeted with the attached message. I called the number provided and verified my information multiple times, yet I am still unable to access my account or make any payments. they said that I would able to log into my XXXX hours. I've been trying to log into my account. I even tried to make a phone payment and they can't process. I dont understand why they are blocking me from paying my bill. I am unable to make a payment through any method they offer. This is extremely concerning because I do not want to be charged late fees. I feel that it is wrong to prohibit someone from accessing their own account without a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} XXXX XXXX  XXXX XX/XX/XXXX {$XXXX} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a report against Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with their era, resolutions and requirements under the electronic fund transfer act ( EFTA ) and regulations E. These transactions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I recently checked my accounts and noticed that mountain land collections had added a collections account under my name. When I was finally able to get through ( after they didnt answer my calls ) I was told that I owed medical debt. They claimed that they had been sending letters, however I have never received any of the supposed letters, Ive also never received an email, OR a phone call. Which is strange because all of the doctors Ive seen have had my contact information. The man I spoke to asked if I lived in Idaho because that is the address they had for me on file I have never lived in Idaho in my life. This all signaled to me that this is either a scam or they have the wrong person. After my phone call, the man subscribed me to their text message subscription without my consent for him to add me to that. I proceeded to unsubscribe from it, then write and mail a debt validation letter. I mailed a certified letter on XX/XX/year>25, and I have NOT received a response or validation of the debt. This morning, I got a notification that the alleged debt had INCREASED. This company has never sent me notification of the alleged debt, they have not validated it, they added me to their text service without my consent, and now they are increasing the debt in attempt to get me to pay them when they have not validated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I am filing this complaint because have had to request the removal of this account from my Experian credit report, as it does not belong to me. I have never resided in the state where this account was created, nor have I ever utilized their services or incured a debt owe of {$XXXX}. Despite providing documentation to the other credit bureaus on multiple occasions, I have had to repeatedly request removal of this account debt as well removal of incorrect information of residence ( which both were filed the first time in XX/XX/year> to present day ) until it was finally deleted from XXXX other credit bureaus as well as this one. However, this account continues to appear on my Experian credit report after previously being removal. I recently submitted another request for removal, ( as well as disputing information again with Experian ) yet it still appears on their report yet again. I possess documentation from the other credit bureaus, as will as repeat removal from this and my other credit bureaus account, to demonstrate to Experian that this is not my account and should be removed yet again. can attached if deem with necessary documentation to support my claim.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving mt account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group
State: NY

Complaint narrative:
I am writing to formally request an immediate investigation into the mismanagement of my federal student loans, which has resulted in an unjust default status and a discrepancy in the balance owed. Despite my application for loan consolidation under the XXXX XXXX XXXX XXXX ( XXXX ) program, my loans were not properly consolidated, and I was erroneously placed into default. Additionally, my repayment period was initiated a year earlier than it should have been, further contributing to an incorrect balance.

Key Issues Requiring Investigation and Resolution : 1. Erroneous Default Status I applied for loan consolidation under XXXX in XX/XX/year>, which, according to federal guidelines, should have removed my loans from default and placed them into an eligible repayment plan. 

Despite my compliance with program requirements, my loan was not consolidated, and I was improperly reported as being in default, negatively impacting my credit and financial standing. 

This administrative failure warrants an immediate correction, with my loan being removed from default and consolidated as originally intended. 

XXXX. Incorrect Loan Balance Due to Premature Repayment Start My repayment period was supposed to begin after exiting my graduate program ; however, the servicer initiated repayment a year earlier. 

This premature repayment initiation led to an artificially inflated balance and unwarranted delinquency. 

As this action was a clear administrative error, I am requesting a full recalculation of the correct balance, with any improperly assessed interest and penalties removed. 



I thank you in advance for a prompt response to this matter and a thorough investigation into these serious discrepancies. I request written confirmation of the resolution that include a detailed breakdown of any adjustments made and an explanation of how this issue will be corrected to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX  Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-07 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: CA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX  Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-07 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 recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit.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 2025-02-07 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
My information has been used in a data breech And incorrect inquiries have been added XXXX 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 explanation
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX Funding and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX FUNDING. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. I have proof attached where these XXXX accounts are deleted from my XXXX credit report. Please do the same for my TransUnion report and delete them from there.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX credit account on credit report past XXXX  years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title XXXX of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or XXXX, generally stays on a consumers credit report for up to XXXX years from the date of the negative event. 
After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

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