vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I contacted your office a couple of months ago regarding suspected consumer fraud on the part of Capital One stacking late fees to my account and applying payments " weeks '' after I sent them. That complaint was closed with no resolution. Currently, Capital One is adding a late fee to another of my credit cards with them. This time, AFTER they sent my payment back to me accompanied by a letter from them stating they could not process my payment because my account was sold or closed. I did call them and it was much of the same indifference as always. They expect me to not only pay the late fee, but to also send them another payment. I have attached this letter, along with the money order receipt and invoice they sent back to me. Capital One is acting as a criminal organization and I have seen the lawsuits and other like complaints about their practices. I refuse to allow Capital One to continue stealing from me. This account is likely to go to collections where it will then be paid by me. I see no other way. This is a pattern of behavior on their part and it's plainly theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AMEX is reporting a fraudulent/incorrect account. Ive disputed with all three bureaus and sent proper documentation under FCRA and Identity Theft law. I request immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: DC

Complaint narrative:
I requested information from XXXX XXXX XXXX XXXX and MOHELA Loan Servicer to refund my excess payments made on my XXXX XXXX XXXX under the XXXX XXXX XXXX XXXX ( PSLF ) program. I received full loan forgiveness in XX/XX/XXXX, following confirmation that I had met the required XXXX qualifying payments. 

Background : In XXXX, I consolidated multiple federal loans into a Direct Consolidation Loan managed by XXXX XXXX XXXX ( XXXX ). 
I have been employed full-time by the XXXX XXXX XXXX  since XXXX, ( XXXX of service ) maintaining consistent XXXXXXXX XXXX XXXX XXXX 
Between XX/XX/XXXX and XX/XX/XXXX, I made uninterrupted monthly payments of {$320.00}. In XX/XX/XXXX, I transferred my loan servicing from XXXX to MOHELA and submitted my XXXX  application. 
In XX/XX/XXXX, I received official XXXX forgiveness. 

Program Context : The XXXX Program was established in XXXX under the College Cost Reduction and Access Act, and the first forgiveness approvals began after XX/XX/XXXX ( sources : XXXX, XXXX, XXXX ). According to XXXX XXXX XXXX XXXX : If you made more than XXXX qualifying payments on an eligible XXXX XXXX, you will receive a refund for the qualifying payments made beyond the XXXX required. 

Refund Calculation : My XXXX qualifying payments were completed : XX/XX/XXXX- XX/XX/XXXX. 
I unintentionally continued making XXXX additional payments : XX/XX/XXXX- XX/XX/XXXX, unaware of my eligibility. 
At a monthly rate of {$320.00}, my total overpayment amounts to : XXXX {$320.00} = {$24000.00} Clarification on Servicing Responsibilities : I previously contacted MOHELA, who advised that they lacked access to my full repayment history and directed me to XXXX. However, XXXX is no longer responsible for XXXX administration. Since the XXXX XXXX XXXX now oversees XXXX servicing directly, and approved my forgiveness in XXXX, I am submitting this request to your office as the current XXXX  refund authority. Importantly, XXXX  forgiveness could not have been approved unless my full payment historyincluding records from XXXX already been verified. Thus, the basis for refund eligibility is fully documented. With payment history confirmed, there is no procedural barrier to calculating and issuing the required refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 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 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 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 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 2025-06-16 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: Kikoff Inc.
State: GA

Complaint narrative:
I am writing in response to your email dated XX/XX/year>, dismissing my dispute regarding the late payment notations on my account ( Account Number : XXXX ) as frivolous under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Your claim that my dispute was submitted by a credit repair organization is falseI submitted the dispute directly via mail on XX/XX/year>, to avoid fraud risks, as Ive done consistently. Your baseless dismissal and refusal to investigate are not only unacceptable but also violate multiple federal consumer protection laws, as outlined below. I demand a full investigation and proof of your false claims within 14 days. 
My XXXX  credit report shows late payment notations for XX/XX/year> ( 30 days ), XX/XX/year> ( 60 days ), XX/XX/year> ( 90 days ), and likely continuing through XX/XX/year> ( 180 days ), totaling six months of delinquency. My initial dispute cited potential violations of the Truth in Lending Act ( TILA ), specifically : 15 U.S.C. 1666b : XXXX may have failed to send billing statements at least 21 days before the due dates for XXXX through XX/XX/year>, rendering the late payment notations invalid. 
Regulation Z ( XXXX XXXX XXXX ) : XXXX  refusal to accept a {$5.00} minimum payment for the current month ( e.g., XX/XX/year> ) on my open revolving credit account, unless I pay the full past-due amount ( {$30.00} for the credit account and {$60.00} for the credit-builder loan, totaling {$90.00} ), violates TILAs requirement to allow ongoing minimum payments. 
Your dismissal of my dispute as frivolous, based on the false claim that it came from a credit repair organization, adds further violations : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) : By falsely claiming my dispute was submitted by a credit repair organization ( as defined in 15 U.S.C. 1679a ( 3 ) ), XXXX has failed to conduct a reasonable investigation as required under the FCRA. This misrepresentation appears to be a deliberate attempt to avoid your legal obligations, potentially constituting willful noncompliance under 15 U.S.C. 1681n. 
XXXXonsumer Financial Protection Act ( 12 U.S.C. 5536 ) : XXXX false claim is a deceptive act, misrepresenting the source of my dispute to mislead me into believing its invalid, causing harm to my credit score ( e.g., 180 days delinquent as of XX/XX/year>XXXX  ). This may also be an unfair practice under the XXXX, as it causes substantial injury not reasonably avoidable by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CT

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-16 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:
I am submitting this complaint on my own behalf after discovering the presence of late payments on my credit record that appear to be inaccurate or unverified. Despite sending formal dispute letters to the relevant parties over XXXX  days ago, I have not received any response, and they have completely failed to provide me with proper validation of these disputed items as required by law. This lack of response and failure to validate the accuracy of the reported information constitutes a serious violation of my consumer rights under the Fair Credit Reporting Act.

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 2025-06-16 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:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-16 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: DOLLAR MUTUAL BANCORP
State: GA

Complaint narrative:
Unacceptable delay in receiving the remaining surplus funds from my construction loan account, associated with the property at XXXX XXXX XXXX XXXX XXXX GA XXXX and mortgage held jointly with my son, XXXX XXXX. 

Weeks ago, I was told the check for the remaining funds would be mailed. After waiting over a week without receiving it, I contacted Dollar Bank and was told the check had not been sent due to internal delays ( someone was out sick ). I was then assured the funds would be overnighted, and I was even provided a tracking number. That tracking number showed " label created '' but never actually shipped for days. When I followed up again, I was told the individual responsible for signing off on the check was out sick. 

Eventually, the check did arrive. I had it properly signed by both myself and my son, as we are both named on the mortgage, and deposited it through our bank 's ATM. The check was rejected, and the funds remain unavailable to us. 

My bank said it was rejected because my son is not on my account. If the check was made out to XXXX XXXX XXXX there would be no problem. Furthermore, they said the bank should have provided instructions on how to properly cash the check. The closest bank branch to me is 45 minutes. My son work 6 days a week 10 hour shifts, so it is not convenient to get us both to the bank. 

At this point, the total lack of reliability and follow-through from Dollar Bank is unacceptable. 

As a result of the continued delay and broken assurances, I am now demanding that the remaining loan funds bewired directly into my bank account immediately. 

The bank is still insisting they can not wire the funds. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-06-16 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Called at XXXX XXXX Agent stated that since my letter included a cease and desist that they couldnt contact me, which is inaccurate my letter stated a cease and desist via phone call. I requested that all communication be done through mail only. 

Agent stated that they put in a request to have it removed from my credit report file due to my dispute. They also requested that it be completely removed from my credit file regardless of my dispute. Can take up to 90 days to remove it from my credit profile. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Called at XXXX EST Advised agent that I spoke to someone on XX/XX/XXXX that stated a request was put in for the collection to be removed from my credit profile and that I want to verify that it was actually requested. 

They did submit to their own system for the collection to be removed on XX/XX/XXXX due to XXXX not sending them the itemized statement that I required back in XXXX. They wont inform the credit bureaus until XXXX when they send updates. 

I asked about why this was added to my report in the first place being that I did not receive a response to my letter nor any correspondence with the information I requested. Agent stated that since my letter included a cease and desist that they couldnt contact me, which is inaccurate my letter stated a cease and desist via phone call. I requested that all communication be done through mail only. The agent proceeds to say that they had what they needed to add the collection to my report and I advised that none of that was sent to me, which she continued to reiterate the cease and desist making it as if it is my fault when they didnt read my letter completely.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Experian, as I have been unable to access my account despite multiple attempts. 
I initially attempted to reset my password but was required to provide a PIN, which I do not have. After repeated calls to Experian 's customer support number, I was unable to reach a live representative. The automated system continued to send reset links that required a PIN, making it impossible for me to regain access. I also sent a written request to Experians customer care at ConsumerInfo.com, XXXX XXXX XXXX, XXXX, TX XXXX, but have received no response. 
This issue is preventing me from managing my credit file, and I am deeply concerned about potential identity theft or fraudulent activity that I can not monitor. Given Experians responsibility as a consumer credit bureau, I urge the CFPB to intervene and require Experian to assist me in securing access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation