vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: DISCOVER BANK
State: IL

Complaint narrative:
I applied for a heloc through discover on XXXX XXXX XXXX I spoke with the representative that they assigned to me. Each time she requested documents they were given to her in a timely manner. We discussed my pay stubs and because I dont get the normal paystubs people get with year to date totals she said we needed to do an employer verification form. Which was filled out and returned to them. They had all of the necessary paper and was sent to underwriting. The underwriter never reached out nor did my representative to say they wanted pay stubs. My application was denied instantly. The next phone call I got was a lady telling me my application was denied and that I had to do a new application with a new credit check. All this was in a week period of time. Why would I need a new credit check within a week period. The hard inquiry already dropped my XXXX XXXX. So now the new application is going to go under a different XXXX XXXX within a short period of time. They refused to transfer my credit report to the new application. They refused to tell me why no one reached out before closing the application. I told them to go back through all the recorded phone calls. That did nothing either. Ive talked to numerous lenders and all of them have told me credit reports are good for 120 days and can be transferred from file to file within the same institution. Discover had nothing but excuses to say why they didnt reach out for documents needed during the time frame. It seems like a scam to get people a higher interest rate with pulling the credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 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: SC

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 XXXX of 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 explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
Im filing a complaint against XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I purchased a vehicle in XXXX and financed it through ally financial with the dealership. In XXXX the bank seemed to disappear and closed the loan on my credit. They then stated I filed bankruptcy in which I did not. I tried for XXXX years with an attorney to get information but unfortunately didnt succeed. This loan was closed on my credit in XXXX and I disputed this with the credit agencies stating this loan was open and I was making timely payments. Eventually I had no access to anything and wasnt able to even make my payments anymore. I have not received anything from this company since XXXX. XX/XX/XXXX my vehicle was then taken with no documentation. When I call ally it goes to another country only and when you ask where they are located they then go silent or hang up. Its usually in the past been the XXXX. This he caused much damage and continues to now cause me legal damage. This bank has no location in the XXXX and this is a big scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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, XXXX XXXX XXXX XXXX, filed a dispute on the following personal information : 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 due to the information being inaccurate. Experian denied to follow up with the investigation and provide information on how this information was verified as accurate. I, XXXX XXXX XXXX XXXX, am submitting a complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX ' credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE. Reporting without valid proper disclosure requirements is a direct violation of my consumer rights. I, XXXX XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify these alleged accounts, only to receive a letter stating that they were verified. 
I, XXXX XXXX XXXX XXXX, am requesting these inaccurate items be removed immediately as it is running the risks of affecting my mental, physical and financial health. 
This company has violated my rights as a consumer and federal laws.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit d SF highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
We submitted a request for short term mortgage assistance ( loss mitigation ) in XXXX XX/XX/year>. During the initial review process we were advised to hold off on making our normal monthly payment while they processed our request. We were ultimately denied our request for a short term assistance plan because our mortgage was current and they felt we were not in a hardship that warranted mortgage assistance. Based on us not paying during the review process, our mortgage showed as late for the month of XXXX. We made the mortgage current as soon as we received notice that it was late in XXXX. We have never made a late payment on any mortgage accounts in our credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I lost my phone on XX/XX/year> I was out grocery shopping. I had just transferred XXXX dollars from my bank onto my chine account reason being is because I closed my other bank out. So I was going to start using my chime account my card info address etc were in my phone I told the chime customer support agent thats how they mustve gotten into my account and swiped the money. I woke up the morning of XX/XX/year> to every bit of money on my account gone. My account now says XXXX $ now I dont know who or why they would do that I looked on my chime account it looks as though the money was transferred from my chime onto a XXXX XXXX card. It is certainly fraudulent I can proof it chime denied my dispute request. Which is bad on their part they didnt even look and try to help as this was my money now I have no way to work or to pay bills. 
U can take a look at my chime youll see where I put like XXXX $ and like XXXX $ onto the chime from my bank that I closed out later on that same day youll see where its taken out and transferred somewhere else.and I lost my phone and card the picture I sent as evidence youll see where someone took XXXX off of my chime card at XXXX XXXX Its fraudulent I will whatever I can to get my money back because its not fair I have to suffer for others behaviors. Chime doesnt seem to care

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I recently made a cash atm deposit at the Huntington Bank, in XXXX Ohio on XX/XX/year> @ approximately XXXX. I deposited {$200.00} dollars ( XXXX ) in the atm. The atm took the first XXXX dollar bill and gave back the second. I have had this issue happen before and inserted the second bill again. It took the money and then it never deposited it! I went on my banking app and it shows a XXXX atm Deposit and also a XXXX reversal. I called the XXXX XXXX my and the best thing they could do is dispute the reversal, the agent refused to look at camera footage where she can verify the machine taking my money! I am extremely concerned with how this business is being operated as the atm is still being used and not serviced or letting customers know it has an issue! She also stated someone else called in about the same Thing! I shouldnt have to wait a week for a dispute to be investigated, when it could have been resolved by the bank pulling footage instantly. This is poor business practice for a bank to steal money and not investigate with the cameras they have there for their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I had a account with navy federal for years, paid my fees which total was {$700.00} something & I was told I would be able to open my account back up after paying those fees but still saying I owe that amount as if they dont see where its been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 want to file a complaint against Navy federal credit union in regards to multiple overdraft fees i accumulated! Despite funds being sufficient when i made the purchases. I was charged fees due to late posting of charges and credits. This claim aligns with recent cfpb findings against Navy Federal for similar cases where transactions settled with insufficient balances despite money being available initially! I believe these practices are unfair and request an investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
My PSLF payment tracker is missing the payment history from XXXX. I contacted Navient and obtained my complete payment history, including the payments made during the above mentioned timeframe. I submitted the documentation to XXXX and studentaid. It has been six months since I submitted the docuementation to the Department of education studentaid.org. There has been no movement or communication.

Company response to consumer: Untimely response