vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: CO

Complaint narrative:
XXXX XXXX XXXXXXXX total payment : {$420.00} ( {$220.00}. On the second, {$200.00}. On the XXXX. ) Accrued " monthly '' interest : On the XXXX XXXX - XXXX XXXX - XXXX XXXX total payment : {$200.00}. 
Interest charged : on the XXXX - XXXX, on the XXXX - XXXX. 
I've reached out to ask for the contract terms specifying the terms of interest charge application, no contract terms have been provided yet, and when the agent and I spoke they told me interest charges only happen twice a month. When asked for options to direct payments to principal over interest agents specified company interest will be addressed first. What options really are there to get ahead of clearing debt without suffering financial hiccups due to company 's charging " stipulations ''? Is this even legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

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 non-monetary relief
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
XXXX XXXX breached security gaining access to my sensitive information violating XXXX regulations

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 2025-05-04 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: TX

Complaint narrative:
XXXX XXXX  breached security gaining access to my sensitive information violating XXXX regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
XXXX XXXX  breached security gaining access to my sensitive information violating FERPA regulations

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 2025-05-04 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: NC

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my Equifax credit report. I did not provide written authorization to the companies listed to access my credit file, and they have no permissible purpose under XXXX XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal dispute with Equifax requesting removal of these inquiries and an investigation. On XX/XX/year>, I received a response from Equifax stating that no changes would be made. They failed to provide any of the following as required by the FCRA : Proof of permissible purpose ( no written authorization was provided or shown ). 


Details of their investigation ( method of verification, who was contacted, what documents were reviewed ). 


Copies of any signed authorizations or applications allegedly used to justify the inquiries. 


Equifax has continued to report these unauthorized inquiries, harming my credit profile and violating my privacy. They are required to conduct a reasonable investigation and provide the method of verification under FCRA XXXX. Their failure to do so is a willful violation of federal law. 
I am requesting the CFPB to intervene and compel Equifax to : Provide certified documentation showing written authorization for each disputed inquiry. 


Remove any inquiry that can not be verified with proper documentation. 


Ensure compliance with FCRA requirements for dispute investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently reviewed a copy of my Early Warning Services report and I noticed I had a fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain banking relationships, for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX  breached security gaining access to my sensitive information violating FERPA regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$2200.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PREFERRED CREDIT INC
State: MD

Complaint narrative:
This Morning I woke up ( XXXX ) and I checked my email as usual, I saw an email from XXXX XXXX ( my bank ) saying that there was a change on my credit score because I opened a new account. The email was send to me on XXXX. I went to check on credit wise and it says that I opened a new account reported on XXXX. They said that I opened the credit card with Preferred Credit Inc. I did not do such thing. Now, my credit score went XXXX points down. They said that my credit usage increased on about {$13000.00}. I do not recall giving my information to anyone and I did in fact not open a new credit card. I need help with this to clean my record. 
I called XXXX XXXX but they cant help me because the credit card was not opened with them and I called the number of the other company ( the one it says I opened the new account with ) they are not open today, so I havent talked to them but I did call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I helped someone co sign for a car years ago. This was over 10 years ago. The person filed for bankruptcy. They never sent me anything in the mail. I just received a garnishment sent to my job. I reached out to them and they wanted me to pay a huge amount of money.

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 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello, On XX/XX/XXXX, I paid off my loan in its entirety to Hyundai Motor Finance. 
On XX/XX/XXXX, a week later, they removed {$230.00} from my personal checking account. 

There is no confusion as to what occurred. The automated message from Hyundai Motor Finance cheerfully restates the above facts. All the representatives I've spoken to confirm that I am due the amount withdrawn from my account PLUS an additional {$19.00} that I apparently overpaid on the loan upon payoff. 

The issue being, I have repeatedly phoned between XXXX and XXXX ( see dates below ). I call every couple weeks and I am told each time that a refund check is being issued for the overpayment and the amount erroneously removed from my account and that I need to wait XXXX weeks, but I never receive the amount I am due. 

I have phoned on the following dates : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I can not find a different contact such as email or " snail mail '' to write a complaint. The website offers only a phone number. 

The last time I called, I argued with the " front line '' until I was passed to a supervisor who again, indicated that he was putting a request in for my refund, but I have not seen anything and it's about time for me to phone again. 

I was provided a survey after my last call on XX/XX/XXXX and stated my dissatisfaction and unresolved issue and received in return an email indicating my issue would be used for future training and leading me to believe that my issue was being resolved. 

To date, I have yet to receive my refund due. 

The Account Number is XXXX. 
It is for a XXXX XXXX XXXX. 
The account is under XXXX XXXX ( my husband ) & XXXX XXXX ( myself ) We reside at XXXX XXXX XXXX, XXXX XXXX FL XXXX I can be reached at XXXX. My husband, XXXX XXXX XXXX can be reached at ( XXXX ) XXXX. 

My email is XXXX. His email is XXXX. 

This is too small of an amount to bring in an attorney, but based on the principle alone, I would like the amount due refunded. 

Any assistance you might provide would be most welcome. 

Thank you in advance, 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 2025-05-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Deposited cash at a Huntington ATM into my Huntington checking account. I cashed in my treasury savings bond from 30 years ago- when I was XXXX XXXX XXXX and went to deposit the {$410.00} into my account. I also had approximately $ XXXX extra dollars in my wallet, but did not count it before depositing. When I deposited my cash after holding up my debit card to the XXXX reader at the ATM, the machine said it was counting. I looked at my phone for a second, and when I looked back it said Your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution. The ATM neither counted nor deposited the funds into my account, and there is no pending charge. As this happened on a Saturday, there was nothing the bank could do since its not a business day. This money would have paid my bills, as Im unemployed. This is also money that has grown for 30 years, and was a gift from my grandmother. This is money, but its also sentimental. The bank refused to offer me a credit, and said it could take weeks for me to have a resolution. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AdvantageFirst Lending Inc.
State: NJ

Complaint narrative:
We received a letter in the mail advertising a 4.99 % interest rate to refinance our mortgage. I called and spoke to someone who quoted a 5.75 % interest rate and around a XXXX XXXX  monthly payment. We discussed my income and he did a soft credit pull, then sent me documents to sign that he said were non-binding. It was XXXX pages and he pushed me to sign quickly so he could lock in the interest rate. Upon further review, after I signed, I found the Loan Estimate showing that it would be an FHA loan with very high closing costs that I can not afford. That was never discussed with me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint against Regions Bank ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) for repeated violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ) and 12 CFR 1024.36, regarding my mortgage loan ( XXXX XXXX XXXX, property in Alabama, owned by Fannie Mae ). 

Issue : Regions Bank has failed to provide securitization details for my loan despite three Qualified Written Requests ( QWRs ). I requested the mortgage-backed securities ( MBS ) trust name and CUSIP number to track my loan in the secondary market, as I am entitled to under RESPA. 

Details of Noncompliance : Their first response ( XX/XX/XXXX ) confirmed Fannie Mae as the owner but failed to provide more information. 

Their second response ( XX/XX/XXXX ) confirmed Fannie Mae once more as the owner but refused to provide securitization details, claiming it was outside the scope of RESPA and irrelevant to servicing. 

Their third response ( XX/XX/XXXX ) again refused, calling my request overbroad or unduly burdensome and irrelevant, without explaining why providing the trust name or CUSIP is burdensome. 

Under RESPA, servicers must provide ownership-related information, including securitization details, when requested via a QWR, unless theres a specific legal exemption ( which they have not provided ). Courts have upheld that borrowers are entitled to this information ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Regions Banks repeated refusals violate RESPA. 

Resolution Sought : I request that the CFPB compel Regions Bank to provide : Whether my loan is in an XXXX pool or trust. 

The trust name ( e.g., Fannie Mae XXXX XXXX ) and CUSIP number. 

The trustees name and contact information. 

I have attached my three QWRs and Regions Banks responses as evidence. Thank you for your assistance in resolving 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 2025-05-04 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: CA

Complaint narrative:
Im reaching out because XXXX consumer, financial department,. Experian, Trans Union and Equifax Are reporting inaccurate information on my credit report. 

The total of two charge off accounts first account ending in XXXX next account charge off XXXX. As defined by IRS the IRS considers a charge off to be income/either as gross or ordinary income, like this doesnt belong on a consumer credit report so this information on my report isnt accurate! By IRS rules any canceled debt or charge OFF. is classified as income reporting this as debt is incorrect. According to 15 USC 1681 5.2 FCRA. Account name as a provider of information to a credit reporting agency is prohibited by law from sharing inaccurate information. Im requesting that you block and delete both inaccurate accounts PER .15 USC 1681 a1a FCRA a person shall not furnace information relating to a consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is in fact inaccurate Ive never received 1099C I dispute the validity of the debt

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