vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: MN

Complaint narrative:
Mohela implemented a new loan servicing system in XXXX, and it is clearly not functioning properly. On XX/XX/XXXX, their autopay system made an extra payment on my student loan, resulting in a negative balance of - {$190.00}. I was assured multiple times that this balance would be transferred to my other loan within XXXX  days, then later told it would take XXXX  days. However, despite over XXXX  days passing, Mohela has failed to process this simple correction. 

Because of their inaction, I have been unfairly charged interest for XXXX months based on an incorrect loan balance. I have reached out to Mohela multiple times, escalating my request, but they have ignored my most recent formal inquiry, sent over XXXX business days ago and several before that were also ignored. 

This is likely not just an isolated incident. XXXX refusal to address my issue, despite repeated assurances, suggests that their new system is failing on a larger scale, potentially affecting thousands of borrowers. Their lack of accountability and unwillingness to correct their own errors is financially harming borrowers and XXXX constitute widespread mismanagement. 

I am requesting that your office investigate XXXX handling of this matter and take action to ensure they are not improperly charging interest or mishandling payments for other borrowers as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Can you imagine how frustrating it is to work hard and manage your finances responsibly, only to check your credit report and find errors everywhere? These inaccuracies have not only damaged my credit score but have also had a serious impact on my life. My credit is essential, especially during emergencies, and every paycheck is already stretched thin. This situation is beyond stressful, and I need immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Hello I'm a victim of identity theft and I did not authorize this account it was made today XX/XX/XXXX I got a notification I'm saying that somebody tried to take out or get approved for a loan and I would like to have this removed off of my credit report this was fraudulently made on my account this is not my account and I'm going to put a freeze on my account which I just found out that I can do can you please remove this inquiry off of my credit report thank you

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I filed a complaint against Gurstel Law Firm, PC, I agreed to pay this debt under duress. I was unaware that XXXX XXXX XXXX was affiliated with Gurtsel Law Firm, as I have never had a legal agreement with that company. Attempt to get the answer the law firm but the guy told me I didnt understand. What I dont understand is the misrepresentation that I am being subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Filed a dispute with Experian, the outcome was not handle fairly.

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 2025-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I. FACTUAL BACKGROUND 1. XXXX has just been discovered to be committing Actual and Constructive Fraud and possibly even be involved in a R.I.C.O. case. This is newly discovered evidence as of XX/XX/XXXX. While going over all of the paperwork I discovered some rather chilling details that question whether XXXX actually had standing to foreclose or even collect debt. I also discover an outright void Deed of Trust and Note as the property description in which was used to foreclose is a legally defective property description. 
2.The Deed they used to foreclose on does not in fact describe my property. In fact, the neighborhood in reference as well as the street and lot number can not be found in XXXX XXXX XXXX XXXX XXXX. That reference is to XXXX XXXX. and XXXX XXXX XXXX. in the XXXX zip code. 
3. The description used is all of Lots XXXX, XXXX. XXXX, XXXX and XXXX as shown on map of the XXXX XXXX XXXX, recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Page XXXX, to which map reference is hereby made. 
4. My property is in XXXX zip code. Also, it makes reference to The XXXX XXXX XXXX, however, that doesn't appear in the XXXX of Deeds either. They have been enforcing false documents and extorting me and my family for payments that they knew they were not rightfully entitled to. The Map Book XXXX Page XXXX is a PLAT SHOWING PROPERTY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX clear misrepresentation of a honest financial institution in a place of trust for the customers in which it services. This is FRAUD that one can not overlook. This is deception at its core and I aim to expose them for all of the deception and betrayal of the public 's trust. 
5. Second thing that also can't be overlook, showing betrayal and unjust gains while stealing and demanding payment without proper standing. XXXX had been enforcing payment from me as early as XXXX, if not in XXXX, but did not receive assignment of the XXXX Deed of Trust from MERS until XX/XX/XXXX ( Book XXXX, Page XXXX, Instrument Number XXXX ), transferring the Deed of Trust from the original lender to PennyMac Loan Services , LLC . 
6. XXXX XXXX Mortgage XXXX XXXX verified that the Note was sold to XXXX earlier but wouldn't give me specifics. This shows a clear separation of the Note and the Deed of Trust which makes both instruments void and unenforceable. It clearly shows that XXXX didn't have the standing to be enforcing payment but decided to do so any way to enrich itself to unjust gains at the detriment of my family by enslaving us to a debt it had no authority to collect.

7. This is an outrage and I aim to make my findings public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
A hard credit inquiry appeared on my report without my authorization. I did not apply for any credit or services related to this inquiry. I requested its removal from [ EXPERIAN ], but they have not taken action. Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
A hard credit inquiry appeared on my report without my authorization. I did not apply for any credit or services related to this inquiry. I requested its removal from [ EXPERIAN ], but they have not taken action. Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX2025 ] TransUnion, Experian, Equifax [ XXXX XXXX XXXX, XXXX, TX XXXX ] [ XXXX XXXX XXXX, XXXX, GA XXXX ] [ XXXX XXXXXX/XX/XXXX XXXX, PA XXXX ] Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my recent credit report, I found the following accounts contain incorrect or outdated information : 1. XXXX XXXX XXXX ( Account # XXXX ) ** Reported as derogatory and charged off. Please verify that the balance, status, and payment history are reported correctly. 
2. XXXXXX/XX/XXXX( Account # XXXX ) ** Listed as a collection/charge-off account. Please confirm the accuracy of the reported balance and payment history. 
3. XXXX ( Account # XXXX ) ** Reported as derogatory with a charge-off status. I am listed as an authorized user. Please verify if the charge-off status should apply to an authorized user. 
4. XXXX ( XX/XX/XXXX ) Account # XXXX 5. XX/XX/XXXX Account # XXXX 6. XXXX XXXX Account # XXXX # XXXX 7. XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX ( FRAUDULENT CREDIT INQUIRY ) I request that you investigate these accounts and provide verification of their accuracy. If any information is found to be incorrect, I ask that it be corrected or removed promptly. Please provide me with an updated credit report reflecting any changes. 

Enclosed are copies of my identification and supporting documents for verification. 

Thank you for your time and assistance. Please respond in writing within 30 days of receiving this letter. 

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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX2025 ] TransUnion, Experian, Equifax [ XXXX XXXX XXXX, XXXX, TX XXXX ] [ XXXX XXXX XXXX, XXXX, GA XXXX ] [ XXXX XXXXXX/XX/XXXX XXXX, PA XXXX ] Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my recent credit report, I found the following accounts contain incorrect or outdated information : 1. XXXX XXXX XXXX ( Account # XXXX ) ** Reported as derogatory and charged off. Please verify that the balance, status, and payment history are reported correctly. 
2. XXXXXX/XX/XXXX( Account # XXXX ) ** Listed as a collection/charge-off account. Please confirm the accuracy of the reported balance and payment history. 
3. XXXX ( Account # XXXX ) ** Reported as derogatory with a charge-off status. I am listed as an authorized user. Please verify if the charge-off status should apply to an authorized user. 
4. XXXX ( XX/XX/XXXX ) Account # XXXX 5. XX/XX/XXXX Account # XXXX 6. XXXX XXXX Account # XXXX # XXXX 7. XXXX Account # XXXX 8. XXXX Account # XXXX 9. XXXX ( FRAUDULENT CREDIT INQUIRY ) I request that you investigate these accounts and provide verification of their accuracy. If any information is found to be incorrect, I ask that it be corrected or removed promptly. Please provide me with an updated credit report reflecting any changes. 

Enclosed are copies of my identification and supporting documents for verification. 

Thank you for your time and assistance. Please respond in writing within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} DATE OPEN : XXXX XX/XX/XXXX Balance {$0.00} DATE OPEN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} DATE OPEN : XXXX XX/XX/XXXX Balance {$0.00} DATE OPEN : 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) denies allowing me to use my extension and reporting to the credit bureaus of the late payments. I have been in a Hardship due to identity theft, so I have been needing to use my extensions, but throughout it all I was granted and denied. Despite my repeated efforts to request assistance my request was denied. My credit report was damaged due to the denial of the extension that I was obligated to request and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Personal information I am writing to report inaccurate employment information on my credit report. The report lists my employer as XXXX, whereas I have been employed like owner in XXXX XXXX XXXX. 

This discrepancy has adversely affected my financial standing, leading to [ describe any specific issues, e.g., loan application denials, unfavorable interest rates, etc. ]. 

I kindly request your assistance in correcting this error. Attached are copies of my credit report highlighting the incorrect information and a letter from my current employer verifying my employment details. 

I sent a letter to Equifax on XXXX XXXX, 2024 and ask them to investigate this but they still havent fixed this problem. 

I dont know what else to do. Can you look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain 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 2025-02-07 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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