vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX I deposited a check for {$6200.00} into my checking account. This check was written by a family member who banks with the same bank as me. We have both been banking there for many years. The bank placed a hold on the funds that was already not in compliance with XXXX XXXX ( {$220.00} XXXX  business day after deposit ). They said I could have {$100.00} of the funds released on thursday ( XX/XX/XXXX ) and the rest the following day. Tuesday XX/XX/XXXX I was informed the money had left their account and I called the bank to ask them to confirm the check had cleared and release the funds to me. They refused and stated that in their terms and conditions they have a multiple day hold on all deposits. I informed them of XXXX XXXX and federal regulations regarding next day availability and large deposit holds that they could have kept for XXXX business days, but they refused to engage and refused to release any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
These people have called my daughter, went to her house XXXX different times looking for me. I do not live in Utah. They call myself, my daughter, my husband, and my son ad least XXXX times a day. They called my employer but wouldn't give them any info and then hung up. I have called them numerous times they called me a XXXX and i need to get my XXXX straight. You cant get any information from them they are very rude and will always hung up on you. This has been going on since early summer like XXXX. They call and leave messages with all kinds of different numbers and case numbers. I have also contacted my XXXX Department to report the problem. They dont even answer the phone like a business. Its some guy who is so ignorant. He asked me what do you want? I said XXXX returning your phone call for the XXXX time today. Well enjoy the calls XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hello, I contacted Chase regarding a fraudulent transaction around XX/XX/XXXX stating that I see a charge on my account that I didnt authorize. Attached will be the two transactions I am referring to and the conversation between me and a representative from XXXX XXXX. XXXX transaction I reported was around XX/XX/XXXX which is XXXX XXXX XXXX amount was {$210.00} the other transaction from XXXX XXXX {$700.00} which was reported yesterday XX/XX/XXXX since I had just noticed that the charge wasnt reversed. I got a call today, XX/XX/XXXX stating that they denied my claim because the transaction was through XXXX XXXX. I told the agent that just because it was through XXXX XXXX doesnt mean that it was authorized by me. He advised that I speak to a representative at XXXX XXXX which I did and have proof that I didnt make the charge which I am about to submit to them. Also, the agent stated that he will send my case to another team to further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than XXXX business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-03-13 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: MOHELA
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX Department of Education XXXX XXXX XXXX XXXX : Dispute Claim for Federal Student Loan Forgiveness Due to FERPA Violation To Whom It May Concern, I am submitting this formal dispute claim regarding my federal student loans. I am requesting full loan forgiveness due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) by the [ Department of Government Efficiency or the specific agency involved ].

Under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), students educational records are protected from unauthorized disclosure. However, I have reason to believe that my educational records, including personally identifiable information ( PII ), were accessed, used, or disclosed without my consent, violating federal law and compromising my financial situation. This unauthorized action has had a direct and adverse impact on my ability to manage my student loan obligations, warranting immediate corrective measures, including full discharge of my loans. 

To support my claim, I am requesting : 1. A full investigation into the unauthorized access or disclosure of my records.

2. A formal acknowledgment of the FERPA violation by the responsible agency.

3. Immediate action to discharge my student loans as a remedial measure for this violation. 

Please confirm receipt of this dispute and provide a timeline for resolution. If this matter is not resolved promptly, I am prepared to escalate my complaint to the XXXX Department XXXX XXXX XXXX Privacy Policy XXXX ( XXXX ) and seek legal remedies if necessary. 

I appreciate your immediate attention to this matter and look forward to your response. Please contact me at XXXX ] or by email at XXXX for any further information or documentation required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-13 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-13 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 requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

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 2025-03-13 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 requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

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 2025-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage overpaid XXXX of my tax accounts by approximately {$1800.00} in XX/XX/year>. They are now telling me that I need to make up the difference ( shortage amount ) by paying {$230.00} a month until they receive a refund from the tax collector. I have called XXXX times between XXXX to try and get the issue resolved and get hung up on or disconnected every time.

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 2025-03-13 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
XXXX XXXX for XXXX company installer XXXX made a financial contract stating how the customer ( owner of solar system ) Will Pay {$XXXX} XXXX. month for XXXX  months and owner files for Federal rebate of solar install and uses that to pay them at least XXXX  % by the XXXX payment ... I was not told that payments XXXX were ONLY INTEREST and no principal ; asked what the PAYOFF would be after XXXX payment and was told ( recorded on XXXX ) a price over {$XXXX} more than the original cost and that the loan had accrued interest since the start of the loan and first payment of {$XXXX}. 
-- The interest started AFTER INSTALLATION of wiring solar system, ( XXXX 2023 ) but the Solar System did not WORK until XXXX of XXXX told Goodleap that especially XXXX they called me XX/XX/year> personally and asked " How do you like saving money on my electric bill with my new solar system? '' I TOLD THAT REP OF GOODLEAP THAT THE SOLAR IS NOT WORKING AND GOODLEAP SHOULD NOT HAVE PAID XXXX any money for " finishing the installation '' -- I still had to pay Goodleap ( {$XXXX} ) and XXXX XXXX XXXX ( XXXX ) monthly electric costs for 6 months XXXX through XXXX!! and extra {$XXXX} ( rounded off ) out of my pocket before the system worked. 
XXXX ) Is Goodleap allowed to collect XXXX payments of XXXX only -- if the salesperson and Goodleap does NOT inform the customer about that financial tactic? 
XXXX ) Is Goodleap allowed to charge over {$XXXX} ( financial charge ) for a {$XXXX} " loan '' that is to have a XXXX  % annual charge for XXXX  years on the solar project? 
XXXX ) Is XXXX allowed to " force '' a XXXX  % collection on the loan by the XXXX payment? and if the customer can not afford that because the Federal rebate was not equal to XXXX  % ..so now the customer is forced to pay AT LEAST $ XXXX unless some amount of extra money is given to LOWER THE PRINCIPAL by the XXXX PAYMENT??? 
XXXX ) I am going back over the contract to see if this is typed into the contract.. 
XXXX ) Is the sales person held responsible for lack of " truth in lending '' arrangements, because he said NO DOWN PAYMENT needed as stated in contract... 
It seems that the first XXXX payments are being collected as a down payment and AFTER the XXXX payment ONLY then is the PRINCIPAL lowered and AND INTEREST is still COLLECTED...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Jim Bottin Enterprises, Inc
State: WI

Complaint narrative:
I have been a member of XXXX XXXX since XXXX 2024. My membership agreement explicitly mentions " late fees '' but does not authorize " service fees. '' Beginning in or around XXXX 2024, I noticed unauthorized charges labeled as " service fees '' on my account. These fees were not disclosed in my membership agreement, and I was not provided with proper notice of these charges. 

The company resumed automatic payments without my consent after I revoked authorization on or about XXXX XXXX, 2024, resulting in additional unauthorized charges. 

The mislabeling of fees and lack of transparency caused financial harm and emotional distress, particularly given my vulnerable situation as a homeless individual relying on the gym for basic necessities like showering. 

Violations * * Violation of the Electronic Funds Transfer Act ( EFTA ) : The company failed to provide clear and conspicuous disclosures of the " service fees '' as required by 15 U.S.C. 1693e. 

The company resumed automatic payments without proper authorization after I revoked consent, violating 15 U.S.C. 1693k.

Deceptive Trade Practices : The company mislabeled fees as " service fees '' when the contract only authorizes " late fees, '' misleading consumers about the nature of the charges. 

The company failed to provide proper notice of the fees, as required by the membership agreement and applicable law. 

Civil Conspiracy : XXXX XXXX and XXXX XXXX XXXX appear to have engaged in a pattern of deceptive practices, including mislabeling fees and failing to disclose them, which suggests a conspiracy to defraud consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-13 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: MOHELA
State: SC

Complaint narrative:
This is to notify you that since my information has been hacked by XXXX and under Ferpa I am supposed to be covered then I feel this debt is invalid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation