vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XXXX XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 
XXXX XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$840.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnisher 's response, via mail. 
I PREVIOUSLY DISPUTED THESE ACCOUNTS AND ASKED FOR SPECIFICS OF THE COMPLETED INVESTIGATION AND TRANSUNION REFUSED SEND ME THE INFORMATION. I SENT IN A FTC REPORT AND A POLICE REPORT NUMEROUS OF TIMES AND TRANSUNION FAILED TO REMOVE AND PERMANENTLY BLOCK THE ACCOUNTS FROM MY CREDIT FILE WITHIN XXXX BUISNESS DAYS. ALSO THEY REFUSE TO SEND ME THE INFORMATION AND SPECIFICS OF THE INVESTIGATION BECAUSE THE ACCOUNTS ARE INACCURATE. 
I personally signed and sent this letter. 
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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MS

Complaint narrative:
I have provided approval letters from multiple agencies. The documents state my XXXX XXXX XXXX loans are fraudulent. The federal ones have been taken care of but the private loans the school took out without my knowledge continue to remain. I have tried for years to get these loans canceled. But time after time I continue to get the same canned letter stating : Mohela latest response A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

Navient response XXXX carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

These loans continue to move to different servicers and the same canned response after collecting documents and filling out forms they continue to deny my claim. 

Please help me get this resolved. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Against XXXX XXXX for Fraudulent Financial Practices To Whom It May Concern, I am writing to formally dispute the financial practices of XXXX XXXX XXXX which resulted in significant financial losses and undue hardship for me. My name is XXXX XXXX, and I was a student at XXXX XXXX for XXXX years before I was forced to transfer due to their fraudulent activities. 

During my time at XXXX, I was misled about the cost, accreditation, and financial aid process. The school improperly charged me for courses and services that were not adequately provided, resulting in financial aid disbursements that did not align with my actual tuition and educational needs. They mismanaged my financial aid, and I believe they intentionally withheld or misallocated funds, ultimately forcing me to transfer institutions to continue my education. 

I have attempted to resolve this issue directly with XXXX XXXX, but my efforts have been ignored or dismissed. I am seeking the CFPBs assistance in investigating this matter, ensuring that XXXX is held accountable for their deceptive practices, and recovering the funds that were wrongly taken from me. 

Please let me know if you require any additional information to proceed with this dispute. I appreciate your time and assistance in this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone attempted to open a Chase Credit in my name.

They cancelled the app and were supposed to remove all the hard credit pulls from my credit reports. They never removed the hard pulls and it has been about a year!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. XXXX XXXX is incorrectly reporting an account that has been sold to another entity, yet it remains on my credit profile under their name. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information is required to report only accurate information. Since XXXX XXXX no longer owns the debt, they are in violation of this statute by continuing to report the account under their name. 

Additionally, under 15 U.S. Code 1681b, only those with a permissible purpose may access or report information on my credit file. As XXXX XXXX no longer has ownership of the debt, their reporting constitutes an unauthorized furnishing of information, further violating federal law. 

I request that XXXX investigate this matter and either correct or delete this erroneous reporting immediately. Please provide me with confirmation of the resolution of this dispute within the legally required timeframe of 30 days.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. XXXX XXXX is incorrectly reporting an account that has been sold to another entity, yet it remains on my credit profile under their name. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information is required to report only accurate information. Since XXXX XXXX no longer owns the debt, they are in violation of this statute by continuing to report the account under their name. 

Additionally, under 15 U.S. Code 1681b, only those with a permissible purpose may access or report information on my credit file. As XXXX XXXX no longer has ownership of the debt, their reporting constitutes an unauthorized furnishing of information, further violating federal law. 

I request that Equifax investigate this matter and either correct or delete this erroneous reporting immediately. Please provide me with confirmation of the resolution of this dispute within the legally required timeframe of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I submitted multiple dispute letters toTrans union regarding inaccuracies on my credit report, but they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Trans union has violated the following provisions : 15 U.S.C. 1681e ( b ) : Trans union failed to maintain accurate information in my credit report. 15 U.S.C. 1681s-2 : The data furnisher ( s ) continued reporting inaccurate information, and Trans union failed to properly investigate my disputes. 15 U.S.C. 1681 ( 5 ) : Trans union did not delete inaccurate information after | provided evidence of errors. 15 U.S.C. 1681c ( c ) : Trans union possibly reinserted negative information without proper notice. Despite multiple requests, Trans union has failed to properly investigate and correct the errors, harming my ability to obtain credit, employment, and housing. I recently became aware that the CFPB has sued Trans union for similar violations, alleging that they conduct " sham '' investigations and reinsert inaccurate information without notice. My case is consistent with this pattern of misconduct. Resolution Requested : I request that the CFPB take action to ensure Trans union : 1. Conducts a proper reinvestigation of my disputes. 2. Removes all inaccurate, unverifiable, or outdated information from my credit report. 3. Provides a written explanation of its investigation and tindings. 4. 
Ensures compliance with the Fair Credit Reporting Act ( FCRA ) moving forward. 
Sent from my 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On the XXXX of XXXX I cash my check for XXXX and went to regions to deposit XXXX for bills and to put money in my savings. I went to the atm to deposit like I normally do everything look normal I went select deposit and put all XXXX in the atm it close and started to count the stop and said error didnt dispense the money back out. Print a receipt that said to see teller. I went in to file complaint while I waited Im looking at people using the atm with look like no problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, my Cash App account was abruptly closed due to an alleged violation of the Terms of Service or Acceptable Use Policy. All features, including my Cash App card, were permanently disabled. No specific reason was provided by the support agent, XXXX XXXX. 

I sent an email on XX/XX/year>, requesting clarification and was given an opportunity to appeal. I submitted my appeal on XX/XX/year>. The case was escalated for a XXXX review, but on XX/XX/year>, I was informed of the account findings without any specific details regarding the violation. XXXX, another Cash App support agent, offered another appeal opportunity, making it seem as if my initial appeal had been ignored. 

I submitted a second appeal on XX/XX/year>, and was informed that the review process would take another XXXX days under case # XXXX. Despite my request for clarification on the alleged violation, XXXX again responded without providing any specific reason. On XX/XX/year>, I was finally informed that nothing else could be done by Cash App support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were charged, I was charged fees due to lagging posting of charges and credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
After purchasing a home Through the loan office of Atlantic Union Bank The XXXX. loan XXXX And The Insurance company has found that Atlantic Union Bank Faulsified the Inspection report in order to Finalize the XXXX. loan Requirements. I'm a XXXX XXXX  veteran who Purchased the home from XXXX via Remote Signatures, and Paid Representatives From Atlantic Union Bank XXXX 
They Faulsified The Home Inspection and The Condition of the home to the Degree that The Roof Leaks.. and our Insurance Company will NO LONGER INSURE US. And Because they Lied about not only the condition of the Roof but The Age of it as well.. It can not be Insured ... by another company.. until a New Roof is installed. My Question as well as the XXXX. 's is.. Why do I need to Borrow More Money to Fix a Home I Haven't Even Made The FIRST mortgage Payment On?? 
XXXX XXXX has uncovered FRAUD as Well As The XXXX. 
I need Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Giggle Finance Inc.
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX due to their repeated and harassing text messages, despite my multiple requests for them to stop. 

On XX/XX/year>, XXXX XXXX began texting me regarding a payment. I immediately informed them that I would make my payment the following week because I had just experienced a house fire and lost all of my cards. Instead of being understanding, they continued to aggressively text me, even after I repeatedly asked them to stop. 

I explicitly told them at least XXXX to XXXX times to stop contacting me, yet they disregarded my request and continued messaging me. In total, I received over XXXX unwanted text messages after my requests for them to cease communication. When I informed them that I would take legal action due to their refusal to stop, they dismissed my rights, stating that I could not press charges and that they had the right to text me until I paid. 

This behavior is harassing, unprofessional, and a violation of my consumer rights. Their actions may be in violation of the Telephone Consumer Protection Act ( TCPA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ), as they continued to contact me despite my clear and repeated requests to stop.

Company response to consumer: Untimely response