vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They closed my credit card for no reason, I was helpless but paid everything and asked repeatedly if all charges were settled, after getting a clear answer I provided my account to do an automatic payment, but then this month the bill came again, I have paid everything and they did the automatic payment, and my card has been closed for 6 months, so why would I still incur charges? This is fraudulent behavior on the part of the bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: MN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-28 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: MN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Nexera Holding LLC
State: TX

Complaint narrative:
I am a XXXX female. My husband contacted XXXX XXXXXX/XX/XXXXto purchase a condo in XX/XX/XXXX, Texas. He was told they would source a conventional loan through XX/XX/XXXXand promised repeatedly that they were ethical and there would be no prepayment penalty, change in terms, etc. They dragged on and on and missed the closing date so we had no option to switch lenders. First they said we had to do a commercial loan with an outrageous interest rate ( 9 % ) but promised to refinance for free after 6 months. Then they required an additional 10 % down ( 30 % + total ), and charged about double in fees compared to the original proposal. The FINAL LOAN TERMS stated no prepayment penalty as agreed throughout. This was received the day before closing. We were not informed that they switched the terms in the final deed of trust which NOW states that there is a {$10000.00} prepayment penalty if the loan is paid off or refinanced. The title company owner ( attorney ) said this is blatant mortgage fraud and encouraged me to fight. We have reached out to XX/XX/XXXXXXXX and all have ignored my request for intervention. They are collaborators in this fraud. My husband submitted a complaint and XX/XX/XXXX pretended to not know who he is despite many contacts with him during the loan application process and him being on the deed and identified as THE contact speaking on my behalf. More fraud. More tricks. Treble damages are now due from all of the parties that collaborated to benefit from the fraud. The fact that they attempted to take advantage of a XXXX female makes this case even more egregious! AND we are XX/XX/XXXX, this involved wired fraud, and is a federal crime as the transaction involved several different states. Our attorney says this may fall under RICO violations as a racketeering crime as well. These people are criminals and have been in trouble before. It is time to stop them. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX. They bought the leased XXXX XXXX for over the lease value. We then financed a new vehicle from XXXX XXXX. 

On XX/XX/XXXX, I received an email that Lexus had received the lease payoff but they were " experiencing delays '' processing paperwork ( attached ). 

On that day, I logged into Lexus Financial and removed my payment information from their website. 

Lexus Financial subsequently took {$860.00} lease payments on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I received refund checks for the XXXX, XXXX and XXXX payments, but there's no reason for them to have my financial information. I resorted to contacting my bank to remove payment authorization for Lexus Financial. 

To add, I received written communication XXXX XXXX from XXXX  XXXX Highway Patrol threatening to suspend my driver 's license. Upon calling and waiting for over an hour, I was informed by them that Lexus Financial did not send enough documentation to verify that I was no longer in possession of the vehicle ( which was no longer insured by me ). XXXX  suspended my license and put a lien on the title. I had to make an appointment at the DMV and bring in my sales contract and pay {$150.00} out of my pocket to reinstate my license. When I had called Lexus Financial in XXXX upon getting the letter, they said they shared the single page document they sent to XXXX, which was not enough ( attached ). It was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I received an email stating my loans were due in XXXX. I just graduated in XXXX and the last time I talked to Mohela, they confirmed they would be deferred until 6 months after graduation. I am unable to create an online account for Mohela, because it states my information ( ssn, birthday, last name ) is not in the system. I have tried to go to the student loans website to unlock my account but there is no account, as they can not seem to find my info at Mohela. I have called over 15 times since the beginning of XXXX and have waited on hold from the time they open until the time they are closed. I have sent emails and did not receive a reply back, and received XXXX generic email telling me to call. I am behind on my student loans because I cant pay on their website and I need them deferred, I am on maternity leave until XXXX and just graduated. They told me last year my loans were deferred until XXXX. I can not reach anyone through email or phone about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AppFolio, Inc.
State: NC

Complaint narrative:
Appfolio has XXXX evictions shown on my credit. One is from 2014 and the other is fraudulent as my former landlord did not follow North Carolina law in allowing XXXX full days for the Notice to Quit before filing eviction. She is being sued separately in court and I am contacting the Attorney General about her for violating my rights and placing this fraudulent eviction on tenant screening reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: LA

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-28 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Equifax I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches aecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile. 
Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ). 
Any unverifiable debt must be deleted in accordance with federal law. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB. 
As a result, I demand all negative and derogatory entries be deleted immediately. 
XXXX. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft. 
I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report. 4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Oce for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.

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 2025-02-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-02-28 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 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/year>, I mailed LVNV Funding LLC a letter requesting DEBT VALIDATION per the XXXX XXXX XXXX. My records show that LVNV Funding LLC received the DEBT VALIDATION letter on XXXX XX/XX/year>. The original correspondence was not a dispute but rather a DEBT VALIDATION letter pursuant to the XXXX XXXX XXXX. They had 15 days according to Sec. XXXX ( d ) ( XXXX ) to remove the tradeline from all three credit reporting agencies, including XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Hello, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Please delete the accounts listed below as they are not in compliance with the fair credit reporting act. 

XXXX XXXXXXXX XXXX XXXXXXXX this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX - this account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Please delete account immediately for violation of 15 USC 1681e ( b )

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX JP Morgan Chase Bank , N.A . Member FDIC for Unauthorized Payment and Denied Refund Dear CFPB Complaints Department, I am writing to formally file a complaint against JP Morgan Chase Bank , N.A . XXXX FDIC regarding an unauthorized transaction and their refusal to issue a refund despite my cancellation of the payment. 

Details of the Complaint : JP Morgan Chase Bank , N.A . Member FDIC Credit Card Date of Unauthorized Charge XXXX XXXX Transaction Amount : {$XXXX} Merchant Name : XXXX XXXX XXXX XXXX On XXXX XXXX date of Payment Cancellation, I took the necessary steps to cancel a scheduled payment to JP Morgan Chase Bank , N.A . Member FDIC following the proper procedure as required by the merchant. Despite this, on XX/XX/2025 an attempted unauthorized charge was made in the amount of {$XXXX}. The payment was returned due to insufficient funds and a XXXX attempt was made on XX/XX/2025 in the amount of {$XXXX}, the payment was still deducted from my account. 

Upon noticing the charge, I immediately contacted JP Morgan Chase Bank , N.A . XXXX FDIC on XX/XX/2025 to dispute the transaction and request a refund. I provided evidence of my payment cancellation, including [ e.g., email confirmation, cancellation receipt, communication logs, etc. ]. However, my bank denied my dispute/refund request without providing a valid explanation. 

I believe that JP Morgan Chase Bank , N.A . Member FDIC has violated my consumer rights under : The Electronic Fund Transfer Act ( EFTA ), which protects against unauthorized electronic transactions. 
The Fair Credit Billing Act ( FCBA ), if this transaction was made using a credit card.

Company response to consumer: Closed with non-monetary relief