vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
1 ) Sent this letter on XX/XX/XXXX XXXX XXXX, The reason of this letter is to request full reimbursement of automatic reverse charges of {$30.00} charged by M & T Mortgage to my loan account # XXXX paid off on XX/XX/XXXX. 
These charges were not disclosed to me, nor signed/agreed by me, when I refinanced my property initially with Peoples United Bank XXXX XXXX. Unfortunately, I was unable to make payments before grace period and I was already charged late fees for more than XXXX consecutive months since M & T Bank acquired Peoples United Bank. On top of that M & T Bank charged me a {$30.00} fee since Peoples United Bank was bought. 
As you can see this charge was not disclosed when I refinanced my property, therefore upon your acquirement of the new bank, hence the mortgages, it shouldve been reasonable to grandfather the previous banks stipulations regarding reverse charge fees which were non existent. 
I am unable to retrieve all charges incurred to my mortgage account since your inception of the bank in XX/XX/XXXX due to the payoff that recently happened in XX/XX/XXXX. 
Please consider reviewing all charges of {$30.00} assigned to my account due to reverse charge payment, and reimburse me in full such amount. 

I appreciate your consideration in this matter, and XXXX looking forward to your cooperation to reimburse me for these charges not disclosed on the loan I refinanced with Peoples United Bank. 

XXXX expectant to your prompt response. 
Sincerely, XXXX XXXX Last four digits Social XXXX ( XXXX ) XXXX Sent from my XXXX XXXX ) received on XXXX letter from M & T bank with XXXX charges of {$30.00} each, out of which XXXX were waived and XXXX charges remained total {$390.00}. letter also states a copy of mortgage document is enclosed, which was not enclosed. Mortgage originally signed was with Peoples United Bank, which was acquired by M & T Bank.

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 2025-02-10 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: NM

Complaint narrative:
Subject : Formal Dispute of Unauthorized Credit Inquiries Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am formally disputing unauthorized inquiries appearing on my credit report that were not authorized by me. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are only permitted to access my credit report with my express consent or for permissible purposes. The inquiries listed below violate my rights, and I demand their immediate removal.

Disputed Unauthorized Inquiries Upon reviewing my credit report, I have found multiple inquiries that I did not authorize. These inquiries negatively impact my credit score and financial standing. As such, I demand that these inquiries be removed immediately in accordance with my rights under the FCRA.

Here are the inquiries that should be removed immediately. 

XXXX XXXX XX/XX/XXXX IR ( miscellaneous ) XX/XX/XXXX XXXXXX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXFCRA Violations 15 U.S.C. 1681b ( f ) Credit inquiries must be conducted for a permissible purpose. If a creditor or entity has accessed my report without my consent, they have violated federal law.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the investigation into my dispute finds that the inquiries are inaccurate, unverifiable, or unauthorized, they must be removed immediately.

15 U.S.C. 1681n and 1681o If an entity willfully or negligently violates the FCRA by falsely reporting unauthorized inquiries, they can be held liable for damages.

Requested Action I request the immediate removal of all unauthorized inquiries from my credit report. Additionally, I ask that the CFPB ensures credit reporting agencies conduct a proper investigation into these unauthorized inquiries and provide written confirmation that they have been removed.

Supporting Documents I have attached the following documents to support my dispute : A copy of my government-issued ID A recent credit report highlighting the unauthorized inquiries Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable or unauthorized information immediately.

I expect a written response confirming the resolution of this dispute. If further action is required, I will explore all legal avenues to protect my credit profile. You may contact me at XXXX or XXXX for further information. 

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 2025-02-10 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: NM

Complaint narrative:
Subject : Formal Dispute of Unauthorized Credit Inquiries Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am formally disputing unauthorized inquiries appearing on my credit report that were not authorized by me. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and creditors are only permitted to access my credit report with my express consent or for permissible purposes. The inquiries listed below violate my rights, and I demand their immediate removal.

Disputed Unauthorized Inquiries Upon reviewing my credit report, I have found multiple inquiries that I did not authorize. These inquiries negatively impact my credit score and financial standing. As such, I demand that these inquiries be removed immediately in accordance with my rights under the FCRA.

Here are the inquiries that should be removed immediately. 

XXXX XXXX XX/XX/XXXX IR ( miscellaneous ) XX/XX/XXXX XXXXXX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX) XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXFCRA Violations 15 U.S.C. 1681b ( f ) Credit inquiries must be conducted for a permissible purpose. If a creditor or entity has accessed my report without my consent, they have violated federal law.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the investigation into my dispute finds that the inquiries are inaccurate, unverifiable, or unauthorized, they must be removed immediately.

15 U.S.C. 1681n and 1681o If an entity willfully or negligently violates the FCRA by falsely reporting unauthorized inquiries, they can be held liable for damages.

Requested Action I request the immediate removal of all unauthorized inquiries from my credit report. Additionally, I ask that the CFPB ensures credit reporting agencies conduct a proper investigation into these unauthorized inquiries and provide written confirmation that they have been removed.

Supporting Documents I have attached the following documents to support my dispute : A copy of my government-issued ID A recent credit report highlighting the unauthorized inquiries Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable or unauthorized information immediately.

I expect a written response confirming the resolution of this dispute. If further action is required, I will explore all legal avenues to protect my credit profile. You may contact me at XXXX or XXXX for further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing this complaint against Transworld Systems Inc ( TSI ) for : Fraudulent Credit Reporting ( Violating FCRA, 15 U.S.C. 1681b, 1681e ( b ), 1681s-2 ( b ) ) : TSI reported an invalid collection account ( # XXXX ) to credit bureaus without permissible purpose or accuracy. 

They failed to investigate my dispute ( submitted XX/XX/XXXX ) and correct inaccuracies, violating 1681s-2 ( b ). 

Unlicensed Debt Collection in New Jersey ( Violating FDCPA, 15 U.S.C. 1692e ( 5 ) & N.J.S.A. 45:18-1 ) : TSI is not licensed to collect debts in New Jersey , per the XXXX XXXX XXXX database ( attached ). 

Their unlicensed collection activity constitutes deceptive practices under 1692e ( 5 ) and state law. 

Cease-and-Desist Violations ( Violating FDCPA, XXXX XXXX. XXXX ( c ) ) : After I sent a cease-and-desist letter on [ XX/XX/XXXX & XX/XX/XXXX ], TSI continued contacting me by phone ( please see attached call logs for dates & times ).

This constitutes harassment under 1692d and a breach of 1692c ( c ).

Steps Taken to Resolve Sent a detailed dispute letter and cease-and-desist notice on XX/XX/XXXX & XX/XX/XXXX ( attached ). 

Provided proof of TSIs lack of NJ licensure ( attached ). 

No corrective action taken ; account remains on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

On top of the FERPA violation I have not been able to get in contact with ANYONE from the loan service provider with relation to anything about my loans. I have been pending a IDR plan since XX/XX/XXXX of 2024. I have sent numerous emails and numerous phone calls with no response to this issue. They have me on a standard repayment plan for {$300.00} a month payment currently and I had to defer my payment until this issue is figured out, which is their fault, and my interest has been accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-10 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-10 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Theres inaccurate information being reported on my credit, which has now tanked my score. Ive reached out to all 3 bureaus as well as the companies reporting the credit. Ive had to file for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit 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 me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is, XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, but my credit report shows an outdated address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-10 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$950.00} INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-02-10 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: NE

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$950.00} INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-02-10 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: WV

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 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Loan are being forgiven do to mishaps from school or being a public service worker which I Qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/updated.

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