vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
I submitted a XXXX XXXX XXXX application on XX/XX/XXXX to Mohela who then forwarded it to XXXX. I had been approved for the XXXX XXXX XXXX of other loans for XXXX XXXX XXXX on XX/XX/XXXX for schools engaged in unlawful conduct and violations of state consumer protection laws. I am pursuing the same discharge for the private student loans of which my school is part of several lawsuits which recognized the unlawful conduct. XXXX had stated that only individuals who had defaulted on those loans would receive the discharge which is unlawful under the lawsuits and rulings that have been made. 

A class action lawsuit was filed on XX/XX/XXXX, case no. XXXX, against XXXX for the denials that are unfair, inconsistent with widely available evidence, and violate consumer protection laws. XXXX

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

Complaint narrative:
There is someone using my name and social to obtain credit. The names and addresses do not match

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 2025-03-01 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: FL

Complaint narrative:
There is someone using my name and social to obtain credit. The names and addresses do not match

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filing a formal complaint against Chase Bank for mishandling my dispute and against Defined Rentals for fraudulent and negligent actions related to a rental transaction that I paid for in full. 

Background Information : On XX/XX/year>, I made a payment through my Chase account for a rental period with Defined Rentals, which was from XX/XX/year>, to XX/XX/year>. The payment was made in full for this rental period, as confirmed by the invoices I received directly from Defined Rentals via XXXX. 

However, the merchant ( Defined Rentals ) is falsely claiming that my payment was intended for a rental period from XX/XX/XXXX through XX/XX/XXXX, which is incorrect. I have provided evidence to both Chase and XXXX that clearly shows the correct rental period was from XX/XX/XXXX to XX/XX/XXXX. 

Key Issues : XXXX. Fraudulent Practices by Defined Rentals : Defined Rentals initially engaged with me via the XXXX platform but then directed me to book directly through her private rental business, violating Turos Terms and Conditions. 
The owner failed to provide any formal rental agreement or terms and conditions beyond basic text messages. 
The vehicle was rightfully repossessed due to the owners financial negligence and overdue car payments. However, the tow company mistakenly towed my personal vehicle instead of the rental vehicle. This error was quickly realized, and my vehicle was returned to me within minutes of the mistake. 
2. False Claims by Defined Rentals : After the repossession, the owner falsely claimed that I had smoked in the vehicle, despite having no legal right to search my personal belongings. No evidence of smoking was found, and the tow company ( XXXX ) confirmed the vehicle showed no signs of damage. 
XXXX. Chase Banks Failure to Resolve the Dispute : Despite submitting clear evidence of the payments correct rental period ( XX/XX/XXXX - XX/XX/XXXX ), Chase Bank communicated with me that the merchant incorrectly stated my payment on XX/XX/XXXX was for a rental period from XX/XX/XXXX - XX/XX/XXXX. 
It is important to note that the invoices from Defined Rentals consistently show the payment date, the amount paid, and the exact service date, which clarifies the rental period. The service date field on the invoices updates each week, reflecting the rental periods end date. 
While there are notes referencing an extension during the week of XXXX XXXX, this extension is not relevant to the actual rental period or the payment I made on XX/XX/XXXX. The updated notes do not determine the rental week or contradict the clear service date that appears on the invoices. 
I have provided several invoices from XXXX through XXXX to show the consistency of the rental periods, and the payment was clearly for the rental period from XX/XX/XXXX to XX/XX/XXXX, XXXX you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone created an experian.com account on my behalf and set the recovery phone number and email to accounts they control. I am thus unable to use my experian account to manage my credit, and the automated agent on XXXXEXPERIAN is incapable of recovering my account or forwarding me to an actual customer service person.

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 2025-03-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have tried to dispute with company with no results. Company is sending in information on my credit report that is inaccurate. Please remove all negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XX/XX/year> To : ( CFPB ) Consumer Financial Protection Bureau Subject : Formal Dispute Regarding Inaccurate Information On my Credit Report Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a formal investigation into these inaccuracies, as required by federal law Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for their failure to properly investigate consumer disputed, citing XXXX XXXX  and other harmful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a similar manor. 
Please review the inaccurate information being reported. 
1. Under the FCRA, you are required to conduct a proper investigation into my dispute 2. Inform me of the results if the investigation 3. Ensure the accuracy of the information If the investigation concludes that the information can not be verified or remain inaccurate, I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to this dispute. 
I look forward to your response Thank you for addressing this matter promptly Sincerely XXXX XXXX XXXX XXXX SS # XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Request the removal of the following late payments : 1 ). Ocwen Loan Acct. # XXXX closed in 2019. I no longer have this mortgage ; it was refinanced to PHH mortgage. 
2 ). PHH Mortgage XXXX  Acct. # XXXX incorrect information. Payment was restarted. late payment to be removed in good faith.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate, without providing 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX XXXX ) against it for similar violations. Request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear Experian, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 

Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 

Sincerely, 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 2025-03-01 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: NV

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 credits. 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 an 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 2025-03-01 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: MN

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance, the servicer of my mortgage, told me back in XXXX that my loan was in foreclosure and that they no longer were accepting anything other than the full amount of the mortgage loan. For months they would not return my calls or emails requesting a forebearance agreement and I told them I was in the process of selling my property. Turns out I was not in foreclosure and they did not file a notice of default until XX/XX/year>. Since then I have tried repeatedly to ask them for information they needed to consider halting the foreclosure process so that I could close on the sale of the property. I have sent them numerous emails and countless calls and have provided them at least 3 times the XXXX and escrow information and the other documents they requested. It has been almost 3 months and they have not replied or provided any guidance as to whether or not they will grant the extension. I need to know asap as I may lose the buyer of my property because they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MD

Complaint narrative:
Hello, please see the below regarding Equifax. I am now dealing with a situation where my credit report scoring has now dropped a significant amount of points because XXXX, Equifax and XXXX have still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX to date, XX/XX/XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account to review all XXXX credit bureau reports. All of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. The other two credit bureaus, Equifax and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. As of today, XXXX XXXX, Equifax stating they have updated my information. I logged in today to check and they have not updated my history. They keep closing the dispute and not updating my information. Please update my payment history as my credit report rating with XXXX has fallen about XXXX points now because the issue is ongoing. The errors by all three credit bureaus is significantly impacting my life as far as obtaining future credit. If this issue is not resolved, I will no further choice but to retain legal counsel and sue all three credit bureaus. Two of which are already under a lawsuit for not updating peoples credit profiles correctly. Im also ready to sue CFPB for not forcing these credit bureaus to do their job. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NV

Complaint narrative:
The information you want me to provide is on my phone and I don't want to lose this page trying to get to it. But i believe it was around XXXX XXXX of last year. The company that denied my dispute was Chime. The scam was an XXXX XXXX scam. It was for {$100.00}. They took my report. And after the denial. I requested the information as to why. And the information I received did not correspond with what I told them. I filed this dispute 3 times. I even contacted XXXX XXXX  and made them aware of the scam because they had no record of my order. And they reduced to help me as well. Merely thanked me and went on with their day. The reason you are hearing about this at such a late date. Is because I didn't know about this and being able to contact someone even higher up. The ad I responded to looked legit. But on my statement it came back as apparel. That clearly showed that it was a scam. And still got denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I am notifying that I am a victim of data breach and I would like all the accounts mentioned to be blocked and deleted from my credit report pursuant to FCRA 605B15 U.S.C 1681c-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, Ca XXXX ] XXXX [ XXXX ( XXXX ) XXXX ] [ XX/XX/XXXX ] [ Experian ] Subject : Request for Assistance Due to XXXX XXXX XXXX Status Dear Experian or " Customer Service Department '' ], I am writing to inform you that I am a XXXX XXXX XXXX XXXX and as a result, I am reaching out to request your assistance regarding the accounts listed below that have inaccurate information impacting my credit report.

Accounts in Question : XXXX. XXXXXXXX XXXX XXXX  - Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$1500.00} - Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : [ Insert Account Number ] - Reported Late Payment : [ Specify date of the late payment ] - Balance : {$280.00} - Date Updated : XX/XX/XXXX Due to my circumstances as a XXXX XXXX, I have faced significant challenges in managing my financial affairs. I have been working to regain control of my life, and I am seeking your support in rectifying these issues on my credit report.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: IN

Complaint narrative:
XX/XX/XXXX keeps showing that the home was a foreclosure but the home was sold. I have had 3 creditors turn me down do this this. I had 2 loans for the same home one was for grant money Of $ XXXX which was also paid in full I don't have the acct number for that one. The other was the loan for the house and it was paid in full both on the same day

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