vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
I Do not have a signed contract bearing my signature nor did I authorize the company to obtain my information my rights to privacy were violated under the FDCPA and FCRA According to FCRA Section 605B it is illegal to report anything on my credit report without my permission please remove these negative items. Thank you account numbers and amounts listed below with reporting Bureaus XXXX XXXX XXXXXXXX Account # XXXX Amount {$980.00} Original Amount {$1000.00} Equifax : XXXX XXXX XXXX # XXXX Amount {$980.00} Original Amount {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OH

Complaint narrative:
I am writing to formally address a discrepancy Ive noticed regarding my student loan account after it was transferred from XXXX to EdFinancial. My loans have been in a no-interest forbearance period since the onset of the XXXX relief measures in XXXX. 

However, I recently observed an increase of {$640.00} in my principal balance, which appears to be a result of interest capitalization. Prior to the transfer, my loan balance was {$49000.00}, and there should have been no interest accrual or capitalization during the federally mandated forbearance period. 

On XX/XX/year>, I contacted EdFinancial to request a correction to this error. I also filed a formal complaint with XXXX regarding the matter. Unfortunately, I have not received a response or seen any corrective action taken to date. 

This adjustment appears to be a clear error, as the forbearance provisions under the XXXX XXXX and subsequent extensions specified that no interest would accrue during the relief period. Therefore, no capitalization should have occurred upon transfer or resumption of payments. 

Additionally, Ive encountered repeated errors when attempting to make payments through EdFinancials online portal. Specifically, the system has failed multiple times to process my auto-debit payment, without any clear communication or notification that payments were not going through. This has created confusion and concern regarding the status of my repayment efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

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 2025-05-01 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-01 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madem I am writing to you once again with profound disappointment and growing frustration regarding the persistent late payment inaccuracies that continue to mar my credit report. This marks my third attempt to address these errors, and I must express my urgency and insistence on immediate resolution to this matter. the following late payments have been inaccurately reported : XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX Despite my previous correspondence and your assurances, These erroneous late payments entries remain unchanged on my credit report. Allow me to remind you of the Legal precedents that underscore the seriousness of noncompliance with the FCRA : XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : This landmark case highlighted the credit bureaus willful non-compliance with the FCRA, resulting in substantial compensatory and punitive damages for the plaintiff. 

XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : The court found the credit bureaus liable for inaccurate reporting, leading to significant financial penalties and repetitional damages due to violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madem I am writing to you once again with profound disappointment and growing frustration regarding the persistent late payment inaccuracies that continue to mar my credit report. This marks my third attempt to address these errors, and I must express my urgency and insistence on immediate resolution to this matter. the following late payments have been inaccurately reported : XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX Despite my previous correspondence and your assurances, These erroneous late payments entries remain unchanged on my credit report. Allow me to remind you of the Legal precedents that underscore the seriousness of noncompliance with the FCRA : XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : This landmark case highlighted the credit bureaus willful non-compliance with the FCRA, resulting in substantial compensatory and punitive damages for the plaintiff. 

XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : The court found the credit bureaus liable for inaccurate reporting, leading to significant financial penalties and repetitional damages due to violations of the FCRA.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I submitted a request to Rocket Mortgage on XX/XX/scrub> 2025, regarding serious errors in my escrow account. Despite acknowledging the issue and continued follow-ups, it remains unresolved over 10 weeks later in violation of RESPA timelines . 

Due to Rocket 's error, my mortgage payment appeared over {$1000.00} higher than it should have been. This led to significant financial stress and caused me to delay payments on other bills out of fear of credit harm. Though the late fee was eventually waived, I incurred penalties on other accounts and suffered XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
Company : MOHELA Product : Federal Student Loan Servicing Issue : Problems with Repayment Plan Complaint Details : MOHELA has committed multiple violations of federal student loan servicing regulations, as outlined below : XXXX. Failure to Process IDR Application ( 34 CFR 685.221 ( c ) ) Submitted 0 Income - Driven Repayment ( IDR ) application on XXXX the IRS Data Retrieval Tool ( DRT ) , confirming 0 income.

After 120+ days of inaction ( well beyond the 10-business-day federal requirement ), I resubmitted the application on XX/XX/XXXX to assist MOHELA in correcting their backlog XXXX 

On XX/XX/XXXX, MOHELA imposed an unlawful 90-day review period with no legal basis, further delaying processing. 

XXXX. Unlawful Payment Demands ( 31 U.S.C. 3716 ) On XX/XX/XXXX, MOHELA issued a $ XXXX payment demand and created a repayment schedule starting XX/XX/XXXX, despite : Pending IDR applications. 

IRS-verified {$0.00} income. 

Federal law requiring XXXX payments for XXXX borrowers. 

XXXX. Communication Obstruction ( XXXX CFR XXXX ( XXXX ) ) On XX/XX/XXXX, MOHELA blocked all email attempts to resolve these issues : Rejected messages sent from XXXX ( primary account ) and XXXX. 

Attached screenshots prove delivery failures to XXXX and XXXX. 

These actions demonstrate a systemic disregard for federal regulations and borrower rights. 

Demands and Resolution : ImmediatXXXX correction to $ XXXX payments retroactive to XX/XX/XXXX. 
Cancel the unlawful XXXX review period ( XX/XX/XXXX notice ). 
Apply administrative forbearance until full resolution. 
Waive all accrued interest/fees caused by MOHELAs errors. 
Unblock email access and ensure future compliance with federal communication rules. 

Desired XXXX : Written email confirmation of corrections sent to XXXX by XX/XX/XXXX, as required in my formal notice to MOHELA. The above is my personal email address which MOHELA has in their official records. 

Attached Evidence : IDR submissions ( XX/XX/XXXX & XX/XX/XXXX ). 
MOHELAs XXXX delay notice ( XX/XX/XXXX ). 
$ XXXX payment demands ( XX/XX/XXXX ). 
Screenshots of blocked emails ( XX/XX/XXXX ). 
Urgent Dispute Letter to MOHELA ( XX/XX/XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TN

Complaint narrative:
Around * * XX/XX/year>2024 * *, my * * XXXX  ( specifically XXXX ) account was hacked * *, and as a result, my * * Chase credit card * * was fraudulently charged approximately * * {$16000.00} * *. I immediately reported the unauthorized charges to Chase and explained that they were linked to the hacking incident. 

Despite multiple attempts to resolve the issue, * * Chase has not assisted me in any meaningful way * *. They have refused to reverse the fraudulent charges, and as a result, my * * credit score has been severely damaged * *, affecting my ability to conduct business or make essential purchases.

This has been * * financially and emotionally devastating for me and my family * *. I have lost access to credit and income, and I feel completely abandoned by the bank I trusted.

I am asking the CFPB to : 1. Investigate Chases handling of this matter.

2. Ensure the fraudulent charges are removed from my account.

3. Confirm that my credit is restored and not further damaged. 

* * Name : * * [ XXXX XXXX XXXX XXXX XXXX ] * * Phone : * * [ XXXX ] * * Email : * * [ XXXX ] * * Date Fraud Reported : * * XX/XX/year>2024 * * Bank : * * JPMorgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : 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 2025-05-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : 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 2025-05-01 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: MA

Complaint narrative:
This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , permanently remove information appearing on my credit report that is a result of identity theft within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes of a personal credit card opened with XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX  on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX with a balance of {$650.00}. These accounts contain multiple fraudulent hard inquiries and collections that appear on my consumer FICO credit report. Attached is a list of the hard inquiries and a copy of the consumer 's FICO credit report maintained by you, which shows the above-mentioned fraudulent items. I do not recognize the previously identified accounts, the collections account, or the hard inquiries as reported. None of the above-mentioned accounts, collections, or hard inquiries were opened, made, or initiated by me. All were a result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madem I am writing to you once again with profound disappointment and growing frustration regarding the persistent late payment inaccuracies that continue to mar my credit report. This marks my third attempt to address these errors, and I must express my urgency and insistence on immediate resolution to this matter. the following late payments have been inaccurately reported : XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX Despite my previous correspondence and your assurances, These erroneous late payments entries remain unchanged on my credit report. Allow me to remind you of the Legal precedents that underscore the seriousness of noncompliance with the FCRA : XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : This landmark case highlighted the credit bureaus willful non-compliance with the FCRA, resulting in substantial compensatory and punitive damages for the plaintiff. 

XXXX XXXX CREDIT BUREAU ( CASE NO. XXXX ) : The court found the credit bureaus liable for inaccurate reporting, leading to significant financial penalties and repetitional damages due to violations of the FCRA.

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Called twice regarding a dispute. Wanted to know if there's anything else they needed. The second time I called, I was then told that my dispute was approved verbally by an agent. She told me all was well and I will be receiving an email confirmation soon, just to receive an email today that it was not approved. Evidence was supplied, they said I have to wait an additional 40 days for another investigation but first I have to wait to receive an email that may come within 10 days by resolution team. This is not fair nor is it right since I was given verbal confirmation of its approval.

Company response to consumer: Closed with explanation