vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEXBANK CAPITAL, INC.
State: CA

Complaint narrative:
After many months of working on a loan modification with XXXX XXXX XXXX and a home advisory group XXXX XXXX, we received a notice that we were approved for our loan modification and to wait for the documents to sign official documents. After 2 months of not receiving ANY loan documents we asked the servicer and the advisory hud group why we had not received the documents. The servicing rep XXXX XXXX is her name she is in loss mitigation stated we needed to use their certificate of trust and lodge our home in a trust. Our home is already in a trust so they were giving us work to do with no intention of sending our loan mod documents!!! This cost us time and notary money. This was in XXXX almost 3 months after receiving the loan mod approval. XXXX XXXX told us she had been waiting for direction from Nexbank her investor. Today XX/XX/year> we got a call from XXXX after doing ALL that she has instructed saying " I know its crazy but the client does not want to honor the loan mod now and I dont know why I am thinking they may sell the mortgage. '' This is unacceptable that they played games for months and sent us an approval. This is bait and switch and doesnt comply with Respa , Tila, or HUD laws. It also violates California state laws. Its misrepresentative and disgusting and nexbank should cover damages.

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 2025-01-23 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: MI

Complaint narrative:
I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request and investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My accoun 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.

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 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My accoun 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.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My accoun 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.

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 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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I purchased merchandise through my Chase XXXX account but never received it. The seller promised to refund me, but that did not happen. I have documentation to support my claim. I spoke with Chase, and they informed me that they could not assist me and would not open a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
ACCOUNT NAME : XXXX  XXXX  ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE XXXX / XXXX / TRANSUNION. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. XXXX XXXX AND TRANS UNION DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY XXXX. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.

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 2025-01-24 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: NY

Complaint narrative:
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE XXXX / EQUIFAX / XXXX. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. XXXX EQUIFAX AND XXXX XXXX DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY XXXX. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE EXPERIAN / XXXX / XXXX. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. EXPERIAN XXXX AND XXXX XXXX DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY EXPERIAN. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.

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 2025-01-24 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: SC

Complaint narrative:
I was a victim of XXXX XXXX  and a victim there are certain things on my credit report that I did not consent to that I would like to have removed

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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation
State: MI

Complaint narrative:
I went to this XXXX XXXX on XX/XX/XXXX. I paid XXXX dollars which is my co-pay for urgent care with insurance. I am now getting bills and a credit collection notice for the XXXX dollars I paid. I can attach proof from my bank account. The girl who took my payment had XXXX XXXX  hair, was XXXX XXXXXXXX and had XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: OK

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Over the past year I have been trying to get an accurate credit file. I had no response from Experian other than " verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. Experian has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Experian is guilty of racketeering, mail fraud and violating the RICO Act of 1970.

UCC 1-308 Without Recourse

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submission, Experian consistently responded within 24 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. 168i, which mandates a reasonable investigation of disputes.Furthermore, Experian actions may also contravene the consumer Financial protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations.I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that Ive marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Collection Account Account Number : XXXX Creditor : SECURITYCRED Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with SECURITYCRED authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SECURITYCRED provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was honestly shocked to find out that my credit report was misusedsomeone applied for things in my name, and these companies pulled my report without my permission. I dont recognize any of these inquiries and definitely didnt approve them. Im completely stunned and upset that this has happened, especially since its a clear violation of my rights as a consumer. It feels really insulting, especially as someone who follows the law.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My XXXX  score has dropped. 

XXXX won't allow me to access my score online because my URL is in XXXX. Equally, XXXX won't only mail my score to a US address, I live in the US. XXXX refused to XXXX was the same in terms of not allowing me to access my account online. 

XXXX was helpful and was able to tell me that my credit report was negatively affected ( points dropped ) because my mortgage at XXXX was brought by Rocket Mortgage, however, I don't think its fair seeing as this change was not my choice and was dictated by the mortgage companies. 

I am now at a massive disadvantage as I try to purchase a new home and my credit score has dropped by XXXX points

Company response to consumer: Closed with explanation