vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AR

Complaint narrative:
Ok, I stoped going to XXXX XXXX almost a XXXX  ago. I told a personal trainer that I did XXXX session with and had to pay a total of {$67.00} for that day I no longer wish to do the session with him which I have in text message and he continue to bill me anyway. I asked him why I was being charged over {$500.00} he said because I did not come in and I did not let him know in person even though in text I told him that I no longer wish to do the services with him. So I had to pay over {$100.00} and it was a payment for canceling the personal trainer. I get a notification through a third-party agency that works with the XXXX XXXX  and they told me that I owe over {$400.00} and I told them that I have proof and I went back-and-forth with someone via email which I have as well that I shouldnt have been charged because I told them that I didnt no longer want the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Last year XXXX XXXX I hired an XXXX  for XXXX  I didnt qualify for XXXX  XXXX found out in XXXX so I called the companies to set up payment arrangements Tower loan I took {$340.00} in XX/XX/XXXX been paying {$240.00} since do account wont charge off the manager at the store I believe XXXX XXXX very rude to me told me hes going to sue me and take my house and cars if I dont make a payment today on XX/XX/XXXX because it will charge off I called on the XXXX of XXXX to let them know o will make a payment on the XXXX of XXXX rep said ok now XXXX calls telling me to write a check and they will deposit it and I dont have money in the bank so he wanted me to write a fraudulent check he says if u didnt anything I buy in the next XXXX  years will be taken and I have never said I wouldnt pay XXXX XXXX said he will take my car house freeze bank account and take that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX XXXX  Accessed my information without consent. Him and 3 other workers, My Data has been breached with Student Aid

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion

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 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
We were in the process of refinancing our home so that we can afford to do some upgrades on the home. Rocket Mortgage sent an elderly woman to our home to appraise the home. The appraiser will not sign off on the appraisal so that we can close out the loan and begin updates on our home. 

The appraisal came back inaccurate. Some of the things mentioned in this appraisal have nothing to do with an appraisal of our home. The same day the appraisal took place, we contacted Rocket Mortgage. We spoke to the loan officer, XXXX XXXX. He told us not to worry about anything until we saw the final appraisal report. There were things mentioned in the report that had nothing to do with the house itself. Since the appraisal was so inaccurate, we asked for another appraiser to be sent to our home to have it appraised again. XXXX XXXX refused and said they can not send another appraiser to our home. The appraiser who did come to our home refuses to sign off until we do all the work that needs to be done to the house. The whole refinance is being done to get funds to make the upgrades. 

Since XX/XX/year>, the date the final appraisal report was released XXXX XXXX has done nothing but give us the runaround and then after a lot of time and money wasted, told us on XX/XX/year> that there is nothing that they can do when ultimately all they need to do is to send another appraiser to our home. They backed our of giving us the refinance loan at the last minute even though we have good credit. 

Apparently XXXX XXXX has no idea what he is doing or talking about. All he has done is lie and waste our time. 

Please investigate XXXX XXXX of Rocket Mortgage. His contact information is : Rocket Mortgage XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed XXXX XXXX late payment on XXXX that is inaccurate. I have maintained on-time payments since the inception of this account as it is on autopay and do not have documentation showing that this payment was legitimately XXXX days late. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking the the record be updated to reflect accurate reporting.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Earlier this year I looked at a copy of my consumer report and I've noticed that Transunion is reporting a XXXX. I am requesting that Transunion provide to me who gave them information on this XXXX  and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information without the proper consent pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. I have the right of privacy in which I believe was violated. You can not report this information without the proper authorization from the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Transunion to provide me with their source for obtaining the information on my bankruptcy and written authorization from the courts given to Transunion. Included in my complaint is a copy of my dispute letter to Transunion.

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 2025-04-14 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from 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 non-monetary relief
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX Metro 2 Compliance Request for Account 8655 To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

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 2025-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This letter is to formally notify you that i have been a victim of identity theft. As a result, fraudulent activity has occurred on my account ( s ) with Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
On or about XX/XX/XXXX applied for loan modification. Was set up on three consecutive modification payments which were paid as scheduled. Received final modification documents which were signed and notarized on XX/XX/XXXX. PHHXXXX  advises that did not receive them. This is the second time they have alleged they did not receive documents. Due to that I kept a copy of the notarized documents along with mail receipt just in case this happened again. Each time a modification is requested the payment significantly increases. I called several times and was assured to wait the papers would be found and applied. Called PHH/XXXX to advise we were flooded in the Federal Disaster in Kentucky on XX/XX/XXXX. At that time they advised I was in active foreclosure but could request a modifcation. Again I followed their instructions and applied for FEMA funds. I am grateful to state I received FEMA funds and started the remodel process. I was then notified a modification denied and now I owed all past due payments PLUS those why there were deciding and I was not allowed to make any payments. This is company is a subprime lender that keeps you delinquent so you credit score will not allow you to refinance and leave them. I have a long history of payments returned and my bank always offered certified bank records showing money is there and they either electronically post back or mail me a check back. Please stop this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MOHELA
State: VA

Complaint narrative:
This is now the third month in a row my balance is increasing due to interest being added. Im under a general forbearance from the SAVE plan court ruling and according to the communication from Department of Education on XX/XX/year>, no interest accrues while in this forbearance. 

I want a detailed breakdown of what my account balance was when it was first placed in forbearance and what it is now ( they should be the same ). If interest has been illegally and fraudulently added to my account, I want it reverted back to the balance at time of entering the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Meritize Financial Inc.
State: MD

Complaint narrative:
Requested proof of original account statement with my name and detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were pla

ced on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-04-14 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete th
at item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-14 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-04-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 explanation