vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
I am experiencing a serious issue involving my private student loan with Meritize and my school, XXXX XXXX for XXXX XXXX XXXX ( Florida ). I was approved for a {$25000.00} student loan to pay for my XXXX program. However, the school has informed me that they only received {$12000.00} from the lender. They claim that the remaining balance is unpaid and are demanding I pay it out-of-pocket before I can take my final exam. 

This situation threatens my ability to graduate and move forward with my XXXX licensure. 

In early XX/XX/year>, I contacted Meritize by phone to report the issue. A representative confirmed my concern was escalated and I later received an email from Meritize stating that they had escalated my case to the school and would follow up. However, I never received any further update or resolution. 

On XX/XX/year>, I sent a formal email to both Meritize and the school requesting : A detailed breakdown of all disbursements ( amounts and dates ) from Meritize to the school.

Confirmation from the school of the payments they received.

Later that same day, I sent a second email expressing that the situation is causing me extreme stress and jeopardizing my education. I also noted that I had spoken by phone with a Meritize representative, who told me the loan contract itself was the proof of payment. However, I explained that a contract is not proof that a transaction actually took place. I requested real payment documentation ( ACH, check, or wire confirmation ), and received nothing in return.

Meanwhile, the school claims that Meritize told them only partial funds would be disbursed monthly, contradicting what I was told directly.

As of now, I remain caught between the two institutions, unable to move forward in my program. I have taken every reasonable step to communicate, follow up, and request documentation, and I have received no meaningful resolution.

I am requesting that Meritize provide clear documentation of any payments made and that this matter be resolved so I may complete my education without further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-24 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-24 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I did a temporary weekend job a month ago for a security company XXXX  XXXX it was XXXX XXXX, XXXX XXXX  XXXX each of the 3 days they paid all of the workers XXXX XXXX  by check the checks were mailed out and received a week later me and my boyfriend both did the job but he doesnt have a bank account so I cashed his and mine they checks were under review for another week because I cashed both which I was fine with but it has now been a month later and my account has been locked ever since Ive called chase bank customer service multiple times since even 2-3 a day and visited 2 branches and they keep pushing the date back, being condescending and wont unlock my account unless the check are verified I gave them the number of the company that I received whove I also been in contact with the company keeps Trying to verify the check but chase is saying they cant speak to them without the number being verified as well but the director of the company said this is the number they have used for 15 years and if it is a problem if they released the money he could write another or have the companys bank try to rectify however chase is not budging I cant use any money, pay bills, eat or anything because my accounts have been locked and the customer service reps have been really rude. Im a college student who has no support, I have no way to work, cant pay any of my bills or college fees. This is traumatizing. I recently even got kicked out and I have no access to my accounts Im technically flat broke. Regardless of whats settled between the company and chase I am the victim. I will even attach a document sent to me by the company from their paying bank ( bank XXXX XXXX ) that technically chase cashed the check so even if they wanted to rectify the situation they cant pay me any other way because chase accepted the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I contacted Columbia Debt Recovery LLC ( Genesis ) on XX/XX/year>, at XXXX XXXX  regarding a collection account. I had received notice of a 20 % reduction offer on the debt, which is the reason I called in the first place. However, once I was on the call, the representative denied that the offer was available, which was frustrating and confusing. 

During the call, I requested that they mail me a copy of the bill so I could review it before making any payment. Rather than simply fulfilling this reasonable request, the representative questioned why I didnt want to pay over the phone and became increasingly rude. He wasted time challenging my decision and came across as belittling and unprofessional. 

I was simply trying to confirm the balance and handle the matter responsibly in writing a right I have under the Fair Debt Collection Practices Act. The representatives behavior was inappropriate and made the interaction unnecessarily difficult and uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX. Chapter XXXX bankruptcy discharged Case Number : XXXX XXXX. XXXX I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you.

I am seeking {$1000.00} in damages for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Please contact me at the address below, and I will subsequently withdraw the lawsuit

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 2025-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
For the last year, Navy Federal Credit Union has not paid my taxes. They keep not paying the county of XXXX and can not answer why. This led to my wife DOUBLE PAYING on taxes as we were threatened to lose our mortgage twice! The county of XXXX saying they did not get the money, and Navy Federal saying that the money is sent. I overpay on purpose and NFCU can not do their job. We've spent countless hours with the county of XXXX and XXXX XXXX over the phone, with large sums of money having to quickly be shoved around because of scary deadlines for taxes that I can not control because NFCU is supposed to be handling it. 

This is causing considerable stress to my family as my cost of living is very high. We received another statement today saying that I am short on taxes even though my escrow account has an advance balance of {$3000.00} in it right now. I am on the phone with NFCU again as I type this message. Navy Federal has stated that their internal investigation provided no answers and they can not explain why this is happening. I can not have this continue to happen. We are considering selling of our home and moving out of the state. Please help now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am writing to dispute inaccurate information still being reported on my credit report. The creditor associated with the account in question sent me written confirmation stating they would remove the account from all credit bureaus. However, as of today, this account is still being reported, which is in violation of the agreement and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

The continued presence of this account is causing undue harm to my credit profile despite clear documentation from the creditor that it should be deleted. I am requesting that this item be immediately removed from my credit report in accordance with the creditor 's instructions. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Type : Cable/Celluar Reference Number : XXXX Dispute Reason : Creditor confirmed in writing that this account would be removed, yet it still appears I have retained a copy of the creditor 's letter for my records and am happy to provide it upon request. 

Please conduct an investigation and remove this account from my report immediately. I request written confirmation once this action has been completed. 

Thank you for your prompt attention to 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 2025-06-24 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 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: IL

Complaint narrative:
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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-24 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 profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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