vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: NY

Complaint narrative:
account in question here is " XXXX XXXX XXXX '' I need this account validated pursuant to XXXX - debt validation, who is the flesh and blood human being who validated the debt to begin with? 
further more just with missed payments alone I have clear grounds for a {$24000.00} lawsuit in district court, which I will be pursuing if this fraudulent debt isn't dented form the transunion and XXXX  credit file. the last 24 months of missed payments being reported on these credit files is the proof. creditors if and when they report credit history inaccurately, the reason being is defamation and financial injury, the precedent//case law is US court of appeals No. XXXX XXXX XXXX XXXX XXXX  and the fines incurred are the extent of damages incurred by the wronged party as deemed by the courts. which would be roughly as stated above {$24000.00} per credit file which brings me to a total of {$48000.00} for XXXX and transunion. furthermore the 15 USC 1682e ( b ) - compliance procedures, you guys apparently do what ever you want to do, and dont follow federal law which leads me to 15 U.S. Code 1681n - Civil liability for willful noncompliance. which carries civil liability in excess of {$2000.00} for the violations spoken about hereunder.

lastly pursuant to 15 USC 1692c ( c ) - communication with a debt collector. I never want to hear from your corporation again! unless you can validate the debt I am not speaking about statements either! flesh and blood human being their name and their address!

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 2025-01-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
account in question here is " XXXX XXXX XXXX '' I need this account validated pursuant to 1592g - debt validation, who is the flesh and blood human being who validated the debt to begin with?

further more just with missed payments alone I have clear grounds for a {$24000.00} lawsuit in district court, which I will be pursuing if this fraudulent debt isn't dented form the XXXX  and experian credit file. the last 24 months of missed payments being reported on these credit files is the proof. creditors if and when they report credit history inaccurately, the reason being is defamation and financial injury, the precedent//case law is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the fines incurred are the extent of damages incurred by the wronged party as deemed by the courts. which would be roughly as stated above {$24000.00} per credit file which brings me to a total of {$48000.00} for experian and XXXX. furthermore the 15 USC 1682e ( b ) - compliance procedures, you guys apparently do what ever you want to do, and dont follow federal law which leads me to 15 U.S. Code 1681n - Civil liability for willful noncompliance. which carries civil liability in excess of {$2000.00} for the violations spoken about hereunder.

lastly pursuant to 15 USC 1692c ( c ) - communication with a debt collector. I never want to hear from your corporation again! unless you can validate the debt I am not speaking about statements either! flesh and blood human being their name and their address!

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 2025-01-03 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: TX

Complaint narrative:
On XX/XX/XXXX, I paid Mohela - Payment Confirmation # : XXXX - Amount : {$2000.00} - Scheduled For : XX/XX/XXXX I received an email with the details above as confirmation. However, that payment has not been reflected in my account information. A subsequent payment on XX/XX/XXXX was processed and displayed with no problem, which leads me to believe it is an issue with MOHELA transferring systems. 

I called their customer service on XX/XX/XXXX, and after an hour and a half, I was told that the issue would be escalated and that the payment would be found. I attached screenshots of the email and my bank record that showed that this money was withdrawn from my account. I'd like to see MOHELA take action and reflect this payment, prorated to the time I sent it in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-01-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
When checking the statement dated XX/XX/year> I noted I was charged a fee of XXXX The fee was listed as " MINIMUM INTEREST CHARGE '' I am still within the 18 month 0 % APR period for balance transfers and have never used the card for any purchases.

I had a chat with customer service who initially told me it was charged on my purchases which were a " very low balance '' when I asked they could not tell me what the balance was so I escalated to a supervisor. 

The supervisor initially told me it was my purchases, but then changed and said I have no purchases and " The minimum interest gets charged if the card is not used for purchases for a long time. I understand you only have balance transfer in your account. the card has no purchase balance '' They are admitting to charging me interest on a card I have not used. 

I asked about the initial balance transfer period : " so there is no possible way of transferring a balance for an 18 month promotional 0 % APR and not getting charged interest during that 18 months. NO POSSIBLE WAY. Again, just want to be clear for the complaint '' and received response " The minimum interest will get charged if there is no purchase balance for a long time. So, yes. That is a fee and we can surely take care of it for you '' This is not in my agreement. I obtained this card to pay off a balance interest free. I implore you to please look at the attached snips of the conversation I had with customer service. 

The supervisor then tried to tell me the interest was charged off a fee that was waived, and offered to waive this fee, but admitted it would create another fee next month automatically making it impossible not to have a fee on this card every month. 

This is a hidden fee on a card that my agreement states has no annual fee. 

( Note. The after my last message I was dropped from the chat )

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 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We purchased a home on XX/XX/year>. We took out mortgage with a FHA loan. At the time of the purchase, we made a {$110000.00} deposit on a home listed for {$320000.00}. We are currently going to pay off the remaining principal balance, however, we noticed that an upfront mortgage insurance premium charge of {$3600.00} was added to the loan, in addition to monthly mortgage insurance payments. Given that we paid more than 20 % of the mortgage, and that we are paying off the principal balance significantly earlier ( 5 months instead of 30 years ), mortgage insurance should not be added to the payoff amount. The current principal balance should be {$210000.00}, but the current balance of our loan is {$210000.00}. We have called XXXX XXXX ( originating lender ), Freedom Mortgage ( current lender ), and the attorney 's office that did the closing, and all parties direct us to call the other parties involved regarding questions about the closing documents and the mortgage insurance. When finally discussed with Freedom Mortgage via phone call, they stated they would be unwilling to remove the upfront mortgage insurance charge in the amount of {$3600.00} from the total balance of our mortgage despite our expressed intent to payoff the principle balance immediately.

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 2025-01-03 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I XXXX XXXX XXXX of the XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of Wells Fargo Inc. due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate.

Wells Fargo Inc. has failed to properly remedy and investigate 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, a friend attempted a XXXX  payment, it was declined, so he went to his bank and gave me cash. On XX/XX/year>, a representative from sofi called multiple times. They asked me about the transaction, I stated it was for money owed, then they wanted more personal information. I declined because the transaction did not go through and i have a right to privacy in California. Sofi sells information to third parties. They made threats to freeze my account if i did not provide the information. On XX/XX/year>, the froze my account and disabled my debit card and all balances in the account. Again, the did this for a transaction that was declined by them. I asked them to close the bank account and send a cashiers check with the balance, the declined and would not give a date for their " investigation '' to conclude. Now I have to wait for my money to be released which was never subject to any hold before this declined transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: IN

Complaint narrative:
i reported to the company a credit card was open due to identity theft and the alleged account had fraudulent monthly payments and a balance ran up to nearly ten-thousand dollars i sent my identity theft report from the police station with a copy of my id to the bank showing this account was fraudulent only for them to say we believe this is your account because the person who was using my stolen information made monthly payments under my name! my personal information has been used to open a credit card account in my name without my knowledge or consent, in violation of S.512 - Identity Theft and Assumption Deterrence Act of 1998 and ( 15 U.S.C. 1681n ). This is a clear case of identity theft, and I demand that you take immediate action to rectify this situation. Failure to comply will result in 15 U.S. Code 1681o - Civil liability for negligent noncompliance. I have reason to believe that the perpetrator has been making monthly payments on this account using my stolen identity. This constitutes a false representation in connection with the collection of a debt, in violation of 15 U.S.C. 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: TN

Complaint narrative:
I started a refund request back in XX/XX/XXXX for an overpayment on my student loan balance with MOHELA. MOHELA began to process the request and it took several months to actually get the refund processed and then they said that my overpayment refund was sent to department of a treasury on XX/XX/XXXX. I filed another complaint with student aid.gov and they investigated and told me that a refund was processed however I called MOHELA again on XX/XX/XXXX and they told me that they have not yet sent a refund to department of treasury. They have delayed this for well over two months and this refund was requested five months ago. Mohela has been hard to work with and they will not process my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I borrow XXXX and received XXXX to spend that was deposited to my account as I recall I've made biweekly payments of {$800.00} so far as was told that the money is going towards monthly statements not towards the principal of taking money down from the loan..not understanding because it says payback what you borrowed. No interest rate..no APR..just want to make sure thay this company action are legit in my state of new jersey..before I continue any more payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit file and found mistakes in the reporting of several accounts. These errors are having a negative impact on my credit score, which feels completely unfair.

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 2025-01-03 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 am filing this formal complaint to report violations of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C., by TransUnion, XXXX, and XXXX regarding the inaccurate reporting of a bankruptcy on my credit report. Despite my disputes over the past year, these credit reporting agencies ( CRAs ) continue to unlawfully report this bankruptcy, falsely stating it has been verified by the furnishers U.S. Bankruptcy Court XXXX XXXXXXXX XXXX and XXXX. I have a letter from the U.S. Bankruptcy Court XXXX XXXXXXXX XXXX confirming they do not report bankruptcy information to any CRAs, including TransUnion, XXXX, and XXXX. Also, I have a letter from XXXX confirming that the bankruptcy has been deleted from their records. These are the violations under the FCRA : 15 U.S.C. 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs have failed to ensure the accuracy of the bankruptcy information reported and relied on unverifiable sources.15 U.S.C . 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute, CRAs are required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. The CRAs failed to perform a reasonable reinvestigation, as evidenced by their reliance on false verification. 15 U.S.C. 1681s-2 ( b ) : Information furnishers are obligated to conduct a reasonable investigation when a dispute is forwarded by a CRA. XXXX has already deleted the bankruptcy, indicating the information being reported is inaccurate. The CRAs refusal to correct this inaccurate information has caused significant harm to my creditworthiness, emotional well-being, and financial opportunities. On XX/XX/year>, I filed a CFPB complaint, and the CRAs falsely claimed the bankruptcy information was accurate and verified. Also, on XX/XX/year>, I filed a CFPB complaint with XXXX and they have deleted the bankruptcy from their records.

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 2025-01-03 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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