vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am submitting this dispute regarding a Citizens Bank overdraft line of credit account ( Account ending in XXXX ), which was reported as 30 days late in XX/XX/XXXX. This negative mark is inaccurate and misleading based on the actual status and performance of the account. 

This line of credit has been open since XX/XX/XXXX, with a credit limit of {$21000.00}. I have consistently made payments, including a most recent on-time payment recorded on XX/XX/XXXX. The account is listed as open and in good standing on all three bureaus, and there is no outstanding past due balance. In fact, the same report that lists the XX/XX/XXXX delinquency also shows no interruption in positive payment history before and after that date. 

This isolated XXXX late appears to be either : A reporting mistake, or A misclassification due to a temporary credit line suspension, which has no relevance to my actual payment behavior. 

Under FCRA 1681e ( b ), furnishers of information have a duty to ensure that what is reported is accurate and fair. Reporting a XXXX late where no true delinquency occurred violates the standard of maximum possible accuracy and causes unwarranted harm to my credit profile. 

Given my strong history with this account and the clear inconsistency in reporting, I request that Citizens Bank immediately remove the late payment notation for XX/XX/XXXX from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX of XXXX Mr. Cooper sent out a payment to XXXX XXXX tax collector for my property taxes in the amount of {$3100.00} but neglected to put address or parcel number for which the payment was issued for, therefore the county never applied the payment to my account and as a result i had to pay them with a credit card. Mr Cooper has charged me the payment amount they made and wont refund it its been over six months. They wanted me to request refund from cou lnty and county responded since I didnt make the payment i can not request a refund and second the payment went i to a unapplied funds account in the county because payment had no parcel number or address to where to apply the payment which was negligence on the person who didnt file payment properly. It is XX/XX/XXXX and i still havent got my refund back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I was sent an email on XXXX saying my account would not accrue interest during government litigation. 6 months later, I look at my account and Ive been charged XXXX in interest. Then I try and call and am told to wait XXXX hours on the line. Then I get disconnected and have to start the process again. Its like they dont want me to get anything settled. Meanwhile, interest keeps accruing on my account. Its a vicious cycle and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-02 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of one or more hard inquiries listed on my credit report. According to a recent settlement ( XXXX XXXX Trans Union LLC ), it has come to my attention that TransUnion may have failed to properly investigate or delete certain hard inquiries or sent consumers a misleading XXXX Letter regarding such inquiries. 
Specifically, I am disputing the following inquiry ( ies ) on my credit report XXXX ( XXXX Date XXXX. XXXX, XXXX ) XXXX ( XXXX Date : XXXX. XXXX, XXXX ) XXXX ( XXXX Date : XXXX. XXXX, XXXX ) XXXX ( XXXX Date : XXXX. XXXX, XXXX ) XXXX  XXXX ( Inquiry Date : XXXX XXXX, XXXX ) I do not recognize these inquiries and did not authorize them. I am requesting, under the Fair Credit Reporting Act ( FCRA ), that TransUnion conduct a reasonable investigation into these inquiries. If the inquiries are found to be unauthorized or unverifiable, I request that they be permanently removed from my credit file. 
Attached is a copy of my government-issued ID and proof of address to assist with your investigation. Please provide a written response with the results of your investigation within 30 days, as required by FCRA. 
If these inquiries are not removed or properly investigated, I may pursue additional remedies available under the law and the terms outlined in the class action settlement. 
Thank you for your attention to 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unfortunately, this occurred during a period when I was experiencing a medical emergency that disrupted my ability to manage my finances as I normally would. While this is not an excuse, I hope it provides context for the situation. I value my relationship with your company and have consistently made on-time payments outside of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Unfortunately, this occurred during a period when I was experiencing a medical emergency that disrupted my ability to manage my finances as I normally would. While this is not an excuse, I hope it provides context for the situation. I value my relationship with your company and have consistently made on-time payments outside of this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
I had been paying a monthly rate of {$740.00} plus an additional {$30.00} to principal prior to this mortgage company taking over. After calling last week ( XX/XX/year> ), I was not given a clear understanding as to why my mortgage raised {$200.00} and was told to contact my insurance to see if they raised. My insurance told me that they havent completed an analysis for this year ( XX/XX/year> will be when that analysis comes out ) and also assured that it wouldn't make my monthly change {$200.00}. I have seen my mortgage raise $ XXXX {$50.00} but NEVER {$200.00}. Today ( XX/XX/year> ) I've recieved an Escrow analysis that " detailed '' i would be short on my escrow due to my insurance being raised to close to {$3500.00} and that doesn't line up with the dates provided by my insurance companies analysis. The lack of communication and the just automatically transferring over the amount rather than discussing about paying the shortage or rolling it over was appalling. And looking at the company of PHH Mortgage and Ocwen Financial Corp LLC and seeing how they have 1 star reviews because of OTHER PEOPLE FACING SIMILAR PROBLEMS AS ME and how it is also difficult for others to actually get a proper answer and assurance from these companies leaves me to believe these companies are operating under false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
My insurance was finally accepted and processed after submitting it and making the needed changes XXXX times in a row. I went into the local bank of LMCU on Friday and they finally got the job done I had to stay there all day just to make sure they correctly filed it because last time the worker threw my insurance papers away and did not file them accurately. My insurance was accepted on Friday the XXXX, but I was told the large amount they placed on my loan would be dropped. I bought my car at XXXX $ dollars in XX/XX/year> and I got it down to XXXX $ and now its at XXXX XXXX I pay a total of XXXX dollars a month for my car payment and my last payment on XXXX $ went towards my actual payment and the rest went towards interest. I was told by the Lake Michigan Credit Union worker that the big amount they added to my loan was going to be dropped after providing my insurance information his name was XXXX, but many workers told me it would be dropped off over the phone as well. I purchase my car XX/XX/year> since then theyve added XXXX large amounts towards my loan in CPIs and they wont let me see the documents Ive provided my insurance to them each time the latest cpi they added was over XXXX. None of the money Ive been paying for almost 2 years has been going towards my car at all.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to mt life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to mt life and credit health.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
* * Subject : Formal Dispute and Demand for and XXXXXXXX XXXX XXXX XXXXXXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, IN XXXX [ XX/XX/year> [ JEFFERSON CAPITAL SYSTEM LLC [ XXXX XXXX XXXX XXXX XXXX, MN XXXX * * Subject : Formal Dispute and Demand forV Validation f Debt Under 15 USC ASAs 1692gand 1692e * * To Whom It May Concern, This letter serves as a formal dispute oof the alleged debt your agency claims I owe anda demand for validation of said debt pursuant to the Fair Debt Collection Practices act ( FDCPA ), 15 U.S.C. SS1692g and 1692e. 
I am requesting that you provide me with the following documents to substantiate your claim : 1.A copy of the * * purchase agreement * * or * * forward flow agreement * * that establishes your legal right to collect this alleged debt.

2. A complete and itemized accounting oof the alleged debt, including the original credit ora '' s name, the amount owed, aand any fees or interest applied.

3. Proof that the alleged debt was not previously disputed, settled, discharged Under 15 U.S.C. 1692g, I have the right to request validation of the debt, and you are required by law to cease aall collection activities until you provide such validation. Failure to provide tthe requested documentation will be consideration of the FDCPA, and I will not hesitate to report your agency to The Consumer financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my sstates Attorney General. 
Additionally, 15 U.S.C. s 1692e prohibits false deceptive, or misleading representations connection with the collection of any debt. If you are unable to provide the requested documentation, iit will be clear that your agency has no legal standing to collect this alleged debt and your continued attempts to do sso willconstitute a violation of ffederal law I expect your immediate compliance wwith thisrequest. You have * * 30 days * * ffrom thereceipt of this letter to provide tthe requesteddocumentation.Failure to do sso willresult in my filing formal ccomplaint withthe appropriate regulatory aagencies andpursuing any and all legal rremedies availableto me. 
This letter is sent without prejudice tto anyof my rights, and nothing hhere shouldbe construed as an aacknowledgementthe alleged debt. 
Sincerely, [ XXXX XXXX XXXX [ XXXX Email : XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WA

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation