vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
MOHELA has been adding interest to my student loans while under 0 % interest forbearance during the SAVE court injunction and administrative forbearance. I have previously filed a complaint against them in XX/XX/XXXX with the DOE. I received a generic response from both agencies and am still having a continuing issue with accruing interest. On XX/XX/XXXX my loan total was {$36000.00}, XX/XX/XXXX it was {$36000.00}, XX/XX/XXXX it was {$36000.00}, and today ( XX/XX/XXXX ) it is {$36000.00}. I sent another message to them about this issue today ( XX/XX/XXXX ) but due to their poor customer service and response times I do not expect a response for over a month and it to be yet another generic response. I will be filing another complaint with the XXXX as well when their website is done with maintenance this morning ( XX/XX/XXXX ) but also expect the same result as before. Based on XXXX posts by others experiencing this same issue, calling will result in poor customer service passing blame between MOHELA and the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
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 non-monetary relief
Consumer complaint received 2025-02-23 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: TN

Complaint narrative:
My credit was accessed and I did not authorize all these inquiries, nor do I recognize them.

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My device was accessed by a sibling who could bypass XXXXXXXX XXXX and was able to make transactions from my USAA bank account to XXXXXXXX XXXX and then out of XXXX XXXX to some other location. 

I have been ill lately and I take a XXXX XXXX at night. He stayed one day while I was asleep. He used my device when I woke up. He was gone and so was my money. 

I filed a file of complaint for the amount of date in question totaling around {$1400.00} and my claim was immediately denied. 

I submitted a police report along with my fraud claim, and I was still denied. 

Attempts to work with XXXX XXXX have been fruitless. Attempts to work with USAA our pointless I try and try again and am denied.

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 2025-02-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit was accessed and I did not authorize all these inquiries, nor do I recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit was accessed and I did not authorize all these inquiries, nor do I recognize them.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been getting calls from a collection adjency concerning a debt that is not mine l need this cleared up, it has negitivly hit my creadit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I want access to my account and to manage my Credit Freeze. You refuse to reset my password. You have refused deleting my account and letting me start over with a new account. I CAN NOT CONDUCT MY BUSINESS WITH WHAT YOU ARE DOING TO ME!! 

Equifax asked me to send a copy of my drivers license and social security card through the email in an unsecure manner. That is absolutely horrendous from a company that is supposedly involved with protecting one 's identity,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: IL

Complaint narrative:
I ask them to send proof documents of my Ownership if not please remove from credit report I never received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I made an electronic transfer from my personal checking acct from regions Bank to my personal savings account to XXXX XXXX XXXX in the amount of XXXX, The electronic transfer never went to XXXX XXXX XXXX but was deducted from my Regions Checking account. I telephoned Regions Customer Service at XXXX On Thursday XX/XX/year> and was told to call back on Monday XX/XX/year> which I did. I was told it could take up to XXXX business days to resolve. I called again on Saturday XX/XX/year>, then again on Thursday XX/XX/year>, then again on XX/XX/year>. On XX/XX/year>, I was told a proof of payment was mailed to Myself and XXXX XXXX XXXX, which was never received by me or the XXXX XXXX. I was told that Regions hires XXXX, case # XXXX to take care of these situations, Phone # XXXX, tried to call this phone # to no avail.

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
I was overcharged with extreme interest fees and unknown charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
Due to the false and unverified late payments being reported on my credit file, I have been denied credit, higher limits, and financial opportunities. 

This violates 15 U.S.C. 1681o, which allows consumers to seek damages for negligent reporting of inaccurate credit information.

If these unverified late payments are not immediately deleted, I will be pursuing legal action for financial harm caused by their negligence.

Violations Committed by the Credit Bureaus : 15 U.S.C. 1681o Consumers have the right to seek damages for inaccurate reporting.

15 U.S.C. 1681i ( a ) Credit bureaus must verify or delete, yet they continue to report inaccurate data.

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 2025-02-23 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: FL

Complaint narrative:
Due to the false and unverified late payments being reported on my credit file, I have been denied credit, higher limits, and financial opportunities. 

This violates 15 U.S.C. 1681o, which allows consumers to seek damages for negligent reporting of inaccurate credit information.

If these unverified late payments are not immediately deleted, I will be pursuing legal action for financial harm caused by their negligence.

Violations Committed by the Credit Bureaus : 15 U.S.C. 1681o Consumers have the right to seek damages for inaccurate reporting.

15 U.S.C. 1681i ( a ) Credit bureaus must verify or delete, yet they continue to report inaccurate data.

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 2025-02-23 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: FL

Complaint narrative:
Experian, Equifax, and TransUnion are intentionally damaging my credit by refusing to remove unverifiable and inaccurate late payments that I have disputed multiple times. 

Because of these false late payments, I have been : Denied credit. 
Denied credit limit increases. 
Prevented from financial opportunities that I rightfully qualify for. 

Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy. If they can not verify an account with actual proof, they are legally required to delete it. 
I have disputed these late payments multiple times and requested : 1. Proof that the payments were actually late.

2. Proof that my creditor provided the legally required 21-day notice before reporting a late payment ( 15 U.S.C. 1666b ). 
XXXX. Proof that the credit bureaus conducted an independent investigation instead of just accepting the creditors word. 

None of these have been provided. This means the late payments must be removed immediately. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy and can not report unverifiable information.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and they have failed to provide proof of doing so.

15 U.S.C. 1681n & 1681o These laws allow me to seek damages for willful or negligent violations of the Fair Credit Reporting Act ( FCRA ).

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed. 
If no resolution, I will escalate to : The Attorney Generals Office.

The Federal Trade Commission ( FTC ).

File a lawsuit for damages due to unfair credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
Experian, Equifax, and TransUnion are intentionally damaging my credit by refusing to remove unverifiable and inaccurate late payments that I have disputed multiple times. 

Because of these false late payments, I have been : Denied credit. 
Denied credit limit increases. 
Prevented from financial opportunities that I rightfully qualify for. 

Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy. If they can not verify an account with actual proof, they are legally required to delete it. 
I have disputed these late payments multiple times and requested : 1. Proof that the payments were actually late.

2. Proof that my creditor provided the legally required 21-day notice before reporting a late payment ( 15 U.S.C. 1666b ). 
XXXX. Proof that the credit bureaus conducted an independent investigation instead of just accepting the creditors word. 

None of these have been provided. This means the late payments must be removed immediately. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy and can not report unverifiable information.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and they have failed to provide proof of doing so.

15 U.S.C. 1681n & 1681o These laws allow me to seek damages for willful or negligent violations of the Fair Credit Reporting Act ( FCRA ).

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed. 
If no resolution, I will escalate to : The Attorney Generals Office.

The Federal Trade Commission ( FTC ).

File a lawsuit for damages due to unfair credit harm.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian, Equifax, and TransUnion are knowingly reporting inaccurate and unverifiable late payments, despite my multiple disputes over the past 18 months. This is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these late payments multiple times and requested verification, but : No proof has ever been provided. 
No payment records confirming I was late have been sent. 
No legally required 21-day written notice has been produced. 
No proper reinvestigation has taken placeonly an automatic verified response. 

This is a violation of my consumer rights, as credit bureaus are prohibited from reporting inaccurate, misleading, or unverified data. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must maintain maximum possible accuracy and can not report unverifiable data.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified with proper documentation, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and no proof of this has been provided.

15 U.S.C. 1681n & 1681o These laws allow consumers to seek damages for willful or negligent violations of the FCRA. 

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed.

If no resolution is provided, I will escalate this matter to the Attorney Generals Office, the Federal Trade Commission ( FTC ), and seek legal action for damages caused by negligent credit reporting. 

This is my final attempt to resolve this issue through the proper channels. If these inaccuracies are not corrected immediately, I will take further legal action

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 2025-02-23 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies. Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

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 2025-02-23 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year> i sent my proof documents to all 3 reporting agency they responded with verified my name did not match the name on report Im asking for it to be validated and verified and 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian, Equifax, and TransUnion are knowingly reporting inaccurate and unverifiable late payments, despite my multiple disputes over the past 18 months. This is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these late payments multiple times and requested verification, but : No proof has ever been provided. 
No payment records confirming I was late have been sent. 
No legally required 21-day written notice has been produced. 
No proper reinvestigation has taken placeonly an automatic verified response. 

This is a violation of my consumer rights, as credit bureaus are prohibited from reporting inaccurate, misleading, or unverified data. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must maintain maximum possible accuracy and can not report unverifiable data.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified with proper documentation, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and no proof of this has been provided.

15 U.S.C. 1681n & 1681o These laws allow consumers to seek damages for willful or negligent violations of the FCRA. 

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed.

If no resolution is provided, I will escalate this matter to the Attorney Generals Office, the Federal Trade Commission ( FTC ), and seek legal action for damages caused by negligent credit reporting. 

This is my final attempt to resolve this issue through the proper channels. If these inaccuracies are not corrected immediately, I will take further legal action

Company response to consumer: Closed with explanation