vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
DELETE HARD INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I applied for a change from XXXX to XXXX on XX/XX/XXXX. XXXX shows my app has been forwarded to MOHELA for processing and also shows form received by them for review on XX/XX/XXXX2025. This has been addressed to the servicer with no response as of yet. XXXX guidance states the servicer will move the borrower into a processing forbearance of up to XXXX days while awaiting processing. At present, I am still in Awaiting Form Administrative Forbearance status. XXXX attachments clearly show MOHELA is in possession of my application and has begun reviewing same. I am asking to be immediately placed into Processing XXXX, as is clearly stated in the XXXX guidance, and that my servicer execute this change immediately. 
Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request to Investigate and Remove Inaccurate Late Payments on XXXX  XXXX XXXX Account Dear CFPB, I am submitting this complaint to address the inaccurate late payments reported on my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account as reflected on my credit report. These inaccuracies are not only misleading but also a violation of my rights under federal consumer protection laws. 
Nature of the Complaint : Inaccurate Late Payment History : The late payments listed for XX/XX/XXXX through XX/XX/XXXX are erroneous. The account was in deferment status during this period, and no payments were due. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting breaches the FCRA ( XXXX USC XXXX and XXXX ), which mandates that credit reporting agencies maintain and report accurate information. 
Improper Account Status : The account is listed as " Late XXXX Days, '' a designation that is entirely inconsistent with its documented deferment status. 
Failure to Correct Errors : Despite the deferment being evident, no correction has been made to the account, highlighting a failure to adhere to responsibilities under XXXX USC XXXX ( a ) ( XXXX ). 
Account Details : Account Number : XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed Payment Status : Late XXXX Days Reported Late Payments : XX/XX/XXXX XX/XX/XXXX Requested Resolution : I am requesting a thorough investigation of this matter and the immediate removal of all inaccurate entries associated with the above account. Please provide written confirmation of the changes made within XXXX days. If this matter is not resolved, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse if necessary. 
Sincerely, 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 2025-01-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Y'all just closed this same complaint. I made a payment to my Capital One credit card. The payment processed and went through but Capital One will not allow me to use my credit card. This is now the XXXX complaint on this issue as they have flagged my account again for fraud because I made a payment out of my business account. Now, they want all of my business bank information which I will not give up. They want my full banking account number for my business. Also, the allegedly Capital One representative I keep speaking to are obviously not in America or from this country. There is a heavy accent difference which is hard to understand. Mind you when I set up my account they had to verify my accounts before ever using them. I have made payments before from my business account and now they flag it again XXXX months in a row. Capital One must be using AI and other countries for the fraud alert which is very troubling to my accounts. Please help and stop the madness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the third request. You are required by Georgia  state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the Right to Cure ( RTC ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required 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 2025-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the third request. You are required by Georgia state law, XXXX. XXXX, to send all notices by certified mail to be eligible to collect a deficiency balance. Yet you failed to include evidence that the XXXX XXXX XXXX ( XXXX ) and Intent to Repossess notices were sent via certified or registered mail, as required by Georgia law. Failure to provide proof of certified mailing constitutes a violation of this statute and renders any further actions on this account legally void. I have requested this information twice through the CFPB portal on XX/XX/year> and XX/XX/year> and both responses were identical and did not include the state-required 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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> MACYS/CBNA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me.

I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

Sincerely, 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 2025-01-14 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX SYNCB/HMDS C/O M XXXX XXXX XXXX XXXX FL XXXX Subject XXXX Debt Validation Request for Account Number XXXX XXXX XXXX  I am writing in response to your recent communication dated XX/XX/XXXX regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( XXXX  ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( XXXX  ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
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: CMG Financial Services, Inc.
State: GA

Complaint narrative:
Credit score has been negatively impacted due to mismanagement by the mortgage company. 

We received a letter about a transfer of service that was to take effect on XX/XX/XXXX. We had already sent payment to the mortgage company on XX/XX/XXXX and then sent again on XX/XX/XXXX. Both were sent electronically to the address provided. Dual account numbers and different mailing addresses I'm sure have contributed to the issue. I get a call from the mortgage company telling me I am delinquent on or around XX/XX/XXXX. I then paid another XXXX payments to catch up to what they said I owed. Our initial XXXX payments were returned back to my bank account. This had been reported as delinquent payments to credit agencies. As I read RESPA this is in violation of the 60 day grace period that takes effect in a transfer of service situation that took effect on XXXX. That should have put the reporting to the credit agencies, if still necessary into XXXX. This violation by the mortgage company has dropped my credit score more than XXXX points. I've had impeccable credit for XXXX plus years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: IL

Complaint narrative:
The bank is charging more on my mortgage then what was said in closure of deal property

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-01-14 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:
Per my state and the applicable federal reporting laws and standards for compliant reporting of physically verified correct, accurate, entire, timely, validated claim ( s ) that are equally properly certified compliantly expressed is the MINIMAL CRITERION FOR REPORTING or which is NOT AN OPTION but rather a REQUISITE to report LEGALLY!

I here again DEMAND that you are LAWFUL in reporting ONLY CLAIMS that are proved and demonstrated as CERTIFIED COMPLIANT in the reporting of ONLY factually factual, correct, full, timely, physically verified, valid claim ( s ) that equally is certified compliant in its processes of reporting and investigationseven to the mandated perfect and unabbreviated CERTIFIED COMPLIANT METRO 2 FORMAT RE
PORTING STANDARD ( S ). 

Any deficiency of reporting, including proof of such, invalidates the REPORT-ABILITY of any injurious allegation ( s ) contested by an injured consumer.

This written note of challenge is my official WRIT NOTIFICATION OF CHALLENGE, so REMOVE FROM REPORTING any derogatory claim now. Until adequate and provable proof is returned, retain required compliance of reporting status, which you MUST DO! 

Additionally, this consumer precept-like writ demand is your obvious formal notification to CEASE AND DESIST all collection activities in regard to the above-titled inquiry, specifically because the reporting of claim ( s ) was a part of the collection action. If a part is spoiled, the whole is as well!

As your firm is well aware, I have LEGALLY exercised my rights by disputing the validity of this application/inquiry, of which I have NO knowledge of its proven document of adequately acquired lawful permissible purpose, and I can not assume it is legitimate otherwise. 

I have, in writing and by phone, demanded that you provide : Concluded validation of claim ( s ).

Proof of certified compliant reporting to the mandated Metro 2 Format Standard ( s ).

Instead, you have ignored my demands. By ignoring my legal validation request of the claim 's : Verifiability of certified COMPLIANT METRO 2 FORMAT REPORTING, Truth, accuracy, and completeness of validity elsewhere, Your firm is in direct violation of the FDCPA and FCRA. 

Since your firm has knowingly violated both federal and state law, I am DEMANDING that you : CEASE ALL REPORTING ACTIVITIES IMMEDIATELY! 
Stop at once reporting the debt in question to any and all Credit Reporting Agencies. 
DELETE IT FROM MY CREDIT REPORT AT ONCE.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation