vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Applied for a VA mortgage through Navy Federal Credit Union because I bank there and completed and submitted all of my documentation requested by the lender and was informed by XXXX XXXX XXXX that the next step was to go to under writing and that she would be in touch. However, when I did not hear back from her I decided to call on Friday, XX/XX/year> and it was at that time I was informed that I was {$2900.00} short in assets for closing costs and I asked her how did she arrive at that figure since I had not found a house yet and that I was only being considered for {$300000.00} and my credit score is over XXXX. The amount the lender was requesting was over {$18000.00} which the closing cost should have only been {$9000.00} or {$10000.00}. If any at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: ID

Complaint narrative:
In XXXX of 2025, I received a collections letter from Johnson Mark LLC. At which time I responded with a debt validation letter, That letter clearly stated that they have 30 days to respond with my requested information or the file needed to be tossed out. They did not repsond to date. I have tracking information showing that it was received. Than Yesterday, an envelope was left on my front porch containing lawsuit papers, it appears that they are considering that as serving me. Although, they are not allowed to leave it on the porch in the state of Idaho. 

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 Please see Rule 4 ( d ) Personal Service : by delivering a copy of the summons and complaint to the individual personally or by leaving copies thereof at the individual 's dwelling house or usual place of abode with some person over the age of eighteen ( 18 ) years then residing therein or by delivering a copy ... to an agent authorized by appointment or by law to receive service of process Further, the process server also opened my mail box.. Which is a federal law, I have XXXX  doorbell footage I have attached. As you can see he is in the mailbox, closes it, walks to the door drops it. Doesn't ring, doesnt knock. Just places the envelope and leaves. 

I have also filed a complaint with the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account was closed on XXXX according to capital one. But a late payment of interest was charged in XXXX and XXXX which I never received an email or phone call about. Capital one said the they call me but have no records of it, they also said they email me but have no record of it when I asked them to provide me with it. I called back in XXXX when I saw it pop up on my credit record and closed it for a second time and made payments of interest that was never charged when the account was closed. Im stuck in this situation which is affecting me to do my business. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I never recieved the information XXXX requested just a claim of denial. 

This is what I request 3-4 times since XX/XX/year>. 

1. A complete and detailed payment history for the account, including all transactions and payment dates.

2. A copy of the original contract, including my signature, that I entered into with your organization.

3. Any information regarding whether an insurance claim has been filed against this account.

4. Documentation outlining the chain of title, demonstrating your authorization to collect on this debt.

5. If item 4 does not pertain to your organization, please provide me with the process of your investigation and the basis for your findings.

I appreciate your immediate attention to this matter and expect a prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I never recieved the information XXXX requested just a claim of denial. 

This is what I request 3-4 times since XX/XX/year>. 

1. A complete and detailed payment history for the account, including all transactions and payment dates.

2. A copy of the original contract, including my signature, that I entered into with your organization.

3. Any information regarding whether an insurance claim has been filed against this account.

4. Documentation outlining the chain of title, demonstrating your authorization to collect on this debt.

5. If item 4 does not pertain to your organization, please provide me with the process of your investigation and the basis for your findings. 
I appreciate your immediate attention to this matter and expect a prompt response.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-17 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: Self Financial Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I called SELF customer service line and asked them why do I have a charge on my credit and its rates on my report that is was a paid closed secured line. The close date was back in XX/XX/XXXX. I told the supervisor that that was correct so why am I charged he stated that I had one late payment of {$50.00} for my account to stay open and I didnt pay it until two weeks later then I closed my account after. I told the man that doesnt make since if I paid it and closed my account and also its illegal due to the fact that the company waited until the beginning of this year in XXXX to put that on my credit and I closed that account in XXXX. Also if I owed and debit why would they have sent me an {$80.00} payout check and the man stated he cant help me and that he sent my information to a third part which is XXXX XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a follow up on my complaint ID # XXXX ( though the update on that says the bank is still reviewing ). I have received an email from XXXX XXXX from Truist Bank stating that they have done all their procedures and followed all their laws and regulations and therefore they are not able to provide us the remaining balance of the stolen money from us. 
Here 's my complaint : 1. If Truist followed all their policies and procedures, how did the perpetrator able to open an account with Truist? Were the proper ID and documentation provided and thoroughly checked? What are their policies and procedures when opening an account with Truist?

2. I have complained that the account holder has committed a crime to collect money form us. What actions have they done to collect the money that has been withdrawn from that account?

3. Truist mentioned they complied to all applicable laws and regulations, particularly the Bank Secrecy Act. The money involved with us is over {$10000.00}. Was there any such filing done with the regulators involving the transaction of approximately $ XXXX wire fraud committed to us? 
4. If there's a crime committed, can they provide us any information on how we can file a complaint or have this person or organization prosecuted?

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 2025-03-17 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: MI

Complaint narrative:
Despite being enrolled in the XXXX forbearance, interest is still accruing on my loans. I understood that no interest would be charged during this period, but my loan balance is continuing to increase. 

Additionally, my payment due date is listed as XX/XX/year>, even though the forbearance is supposed to last until late 2025, according to the Department of Education. This creates confusion and stress about my repayment schedule and is inconsistent with the terms of the forbearance. 

MOHELA has a history of mishandling my account, causing significant confusion and stress. This ongoing mismanagement has affected my ability to track my loans accurately and has contributed to the issues I am experiencing with the XXXX plan and repayment schedule. Furthermore, it has been extremely difficult to get ahold of someone at MOHELA to resolve these issues, with long wait times and limited availability of customer support, adding to the frustration and delays. 

I am requesting assistance to ensure my loans are properly managed, that accrued interest is addressed, and that any discrepancies with my payment schedule and forbearance periods are corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
The wait times are over XXXX hours and when Im finally able to talk to someone they have to transfer me to a different department to help with that issue. Its like they make it imposible to speak to someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: LA

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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: NC

Complaint narrative:
Climb credit is the lender used for XXXX  XXXX and theyre origination fees and interest rate are not transparent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Regional Acceptance is posting my account as 30 days past due on XXXX, XXXX and XXXX when I made arrangements with them and the representative advised there will be no past due remarks if made on time my first payment is not even due until the XXXX so why are they reporting me late. This goes against my consumer rights please fix!

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
My account was locked for absolutely no reason. Ive verified myself with the bank and have even went in to my local branch. No one is giving me any information and they will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief