vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against TransUnion LLC for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion LLC actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure TransUnion complies with the necessary proof of investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: WA

Complaint narrative:
am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting XXXX agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit

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 2025-01-29 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-29 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: EdFinancial Services
State: TX

Complaint narrative:
I am on the SAVE plan as of XX/XX/year>. My loans went into repayment around the same time as I had graduated the XXXX prior. It was states multiple times during the SAVE pause that loans would be on a forbearance and not accruing interest, however my loans have increased by {$2600.00} since being placed in forbearance. I have tried contacting Edfinancial regarding this matter and was told the interest was from before I began on the XXXX plan. That can not be accurate because there is a 6 month grace period for federal loans after graduation. I would like the incorrectly charged interest removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Re : XXXX Loans ending in XXXX and XXXX. 
In XXXX, I filed for Bankruptcy which was discharged on XXXX due to the amount of medical issues I had possibly due to the fact I was misled by the school and Navient 's ( formerly XXXX XXXX 's ) and there aggressive harassing collection practices. At the same time I filed my Borrower Defense with the Dept of Education and provided ample evidence that the school had misled me. I became a Class Member under Decision Group 1 of the Sweet v. Cardona Settlement. The Department of Education on the propondence of the evidence determined that indeed the school had misled me., Navient has admitted responsibility for canceling all loans that meet the Holder Rule criteria. However, the process Navient has established for defrauded borrowers is flawed and opaque, potentially violating federal consumer protection laws1. Many borrowers, including myself, have faced unnecessary burdens and opaque rationales for denials, making it impossible to exercise our rights under the Holder Rule. I am deeply concerned about Navient 's failure to provide relief to borrowers who attended fraudulent schools, both for-profit and non-profit. I am further concerned that they continue to close CFPB complaints as duplicates without addressing violations of the law under the Holder Rule. On XX/XX/XXXX, XXXX XXXX XXXX, along with eight other senators, sent a letter to Navient urging the servicer to cancel predatory private student loans pushed onto borrowers attending fraudulent, colleges. The letter emphasized that these loans are governed by the FTC 's Holder Rule and subject to claims and defenses based on well-established school misconduct and predatory lending. I completed the Navient School Misconduct Application and submitted it to Navient with all the evidence and they denied it saying it was a " not for profit '' school. They owe me over {$20000.00} which the collected under suspicious tactics and are refusing with one incoherent excuse after another without valid base to refund what they basically stole from me. I am entitled to receive the ALL funds paid to them under the fact that the School was found guilty of misconduct, it does not matter what their status is... Misconduct is misconduct. Also, they coerced me into paying the Private Student Loans under extreme hardship in order to refinance my home raising my mortgage payment ( s ) considerably. Please see all attached evidence as to Navient which has been banned from providing any further student loan servicing by the US Government due to their Predatory and misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I booked a stay at the XXXX XXXX XXXX Oceanfront for XX/XX/XXXX, XX/XX/XXXX, through Capital One XX/XX/XXXX ( confirmation XXXX ). I used 45,035 points and {$300.00} in travel credit, totaling {$750.00} for two nights. My reservation was for an Oceanfront Room with 2 Queen beds, and I received a confirmation of this booking, please see attached receipt. 
Upon arriving at the hotel on XX/XX/XXXX, and checking in with my family, we entered the room only to find that it was not an oceanfront room as I had reserved, but rather a general room facing a building. Please see picture attached. I immediately went downstairs to speak with the front desk supervisor ( XXXX Confirmation # XXXX ), who informed me that Capital One XX/XX/XXXXhad only sent a reservation for a Standard Double Queen Bed room. She provided a printout confirming this, which I can also share. I explained that my confirmation clearly showed an oceanfront room, and she acknowledged the mistake but said there was no reservation on their end for the oceanfront room. She offered to upgrade me to a XXXX XXXX room as a courtesy, which, while better than the standard room, was not the oceanfront room I had originally booked, please see picture attached. She advised me to contact Capital One XX/XX/XXXX for a reimbursement, as they had made the error. 
After the room change, I called Capital One XX/XX/XXXX to ask for clarification. The agent said she called XXXX to verify the reservation, but was told to call back in 30 minutes. However, she never followed up with me. 
Upon returning from my vacation, I called Capital One XX/XX/XXXX again to request a reimbursement. The agent offered me {$60.00} for the inconvenience, which I declined. I explained that {$60.00} was insufficient given that I had paid {$750.00} for an oceanfront room which is {$370.00} per night that I paid and received a XX/XX/XXXXroom instead. Had I known the oceanfront room wouldn't be available, I would have either booked with another service or not stayed at this hotel at all. I requested to speak with a supervisor, who also offered {$100.00} reimbursement if XXXX approves. Thirty minutes later, I received an email stating that XXXX was unable to authorize any refund, citing their hotel policies and that Capital One XXXX could only process what XXXX had approved. The hotel has just gotten back to us, and unfortunately, they were unable to authorize a refund at this time, even given the circumstances. Because were bound by the hotel 's policies, we're only able to process what has been authorized by the hotel. 
While the hotel upheld their policy, Capital One XXXX is at fault for booking me in a standard room despite my reservation for an oceanfront room. Now, Capital One XXXX is failing to address their mistake and make the situation right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
Purchasing a property the lender provided an approval and loan commitment with no restrictions. On the closing date, the lender did not fund the loan. They requested preliminary information from the XX/XX/XXXX, even after the condo questionnaire was provided. The lender asked for information post closing date. The lender refused to provide an explanation. The deal was eventually lost as was my deposit, since the loan contingency period lapsed. Lender refused to provide an explanation, rejection letter or loan terms/documents that were signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX2025 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX account # XXXX XX/XX/XXXXaccount # XXXX XXXX XXXX XXXX account XXXX XXXX these accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA. 
I request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is result of SEVERAL DATA BREACHES an fraud within 4 business days of you receiving the accounts above.

1. Violation of 15 U.S.C. 1681e ( b ) : Under this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.

2. Violation of 15 U.S.C. 1681i : This section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed information.

In light of these violations, I am requesting the following actions be taken immediately : Prompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data. Confirmation of Action Taken : Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.

Documentation : Send me a copy of the updated credit report reflecting the changes made as a result of this dispute. Failure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights. 
SINCERELY XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Attn : Customer Relations Department XX/XX/XXXX2025 To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX XXXX XXXX account # XXXXXX/XX/XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX these accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA. 
I request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is result of SEVERAL DATA BREACHES an fraud within 4 business days of you receiving the accounts above.

1. Violation of 15 U.S.C. 1681e ( b ) : Under this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.

2. Violation of 15 U.S.C. 1681i : This section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed information.

In light of these violations, I am requesting the following actions be taken immediately : Prompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data. Confirmation of Action Taken : Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.

Documentation : Send me a copy of the updated credit report reflecting the changes made as a result of this dispute. Failure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights. 
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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have been in contact with XXXX XXXX Jefferson capital and requested information from her which I have not received. Furthermore, she sent an email with a settlement amount that I never agree to, when I asked her for paperwork concerning the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i )
( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-01-29 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: MI

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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