vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have repeatedly reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on multiple occasions throughout the yearsspecifically in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inaccuracies in my personal information and accounts. I have formally requested that these errors be corrected and that I be provided with copies of the original contracts bearing my signature. 

Despite my persistent efforts and even hiring credit repair companies such as XXXX XXXX to act on my behalf, as well as the XXXX. These entities have failed to take appropriate action. As a result, their negligence has caused significant and ongoing damage to my credit and my name. I urge immediate corrective action to address these longstanding issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
The banker told me I failed to qualify because the bank 's web page did not apply the correct code when my account was created ( I clicked " Enroll today '' on the web page saved to a pdf ). I kept a copy of the web page and the link I used to create the bank account. It has been uploaded below. The banker, XXXX, still told me I am wrong and refuses to credit my account the {$450.00} I earned by meeting all of the bank 's requirements. I asked if there were any alternatives for me other than to file a complaint with the CPFB ; XXXX said no, there were no other alternatives available at this point.

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 monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: FL

Complaint narrative:
The company ignored the request but I received a letter via mail yesterday of them trying to threaten me into paying a collection that they refuse to validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I thought a dispute through Credit Karma. Its been almost 90 days and it still says pending. Nothing has changed. The information is incorrect, which is why I disputed it and on top of that the account is paid in full and was closed a month ago. I had only owed XXXX dollars on my XXXX XXXX XXXX yet XXXX reported to Credit Karma that I owed {$160.00} with nowhere is that anywhere that they can provide proof of that because that is not the truth. I owed XXXX dollars to the XXXX XXXX card. I paid it off and I closed the account due to them reporting this false information. I put in the dispute through Credit Karma on XX/XX/XXXX. It is XX/XX/XXXX. Theres been no update. I have not been able to dispute other items for almost 3 months because it will only let me dispute one at a time and they have not resolved this issue or provided any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX from Chase on XX/XX/year> based on advertised benefits : XXXX XXXX XXXX access, a {$450.00} annual fee, and a XXXX welcome bonus. Within a few weeks of being approved, Chase and XXXX announced the following changes : 1. Removal of XXXX XXXX and partner lounge access ( effective XX/XX/year> ) 2. Increase of the annual fee from {$450.00} to {$690.00} 3. New applicants now receiving XXXX XXXX more than I was offered I contacted Chase XXXX Monday XX/XX/XXXX through Wednesday XX/XX/year>, via secure message, phone, and social media. Despite explaining that I was a new cardholder and that these changes occurred immediately after approval, I was told no adjustment could be made. 

This feels like a bait-and-switch. I signed up for a specific set of benefits that were materially reduced shortly after my enrollment. I believe this is deceptive and would like Chase to honor the higher bonus or provide an equivalent goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$8200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review. Additionally, the account details are inconsistent, with different information being reported to each bureau.

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 2025-03-26 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: WI

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}

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 2025-03-26 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: KY

Complaint narrative:
I have been dealing with Mohela about a XXXX XXXX I have an email from XXXX advising the loan has been taken care of and I am no longer required to have an obligation for that loan. I have tried contacting Mohela multiple times but get the run around and they just keep saying I owe it. Now they have decided to post to my credit late over 90 days and have dropped my credit over XXXX points. Mohela is unwilling to acknowledge the XXXX  discharge even though they advised they would personally contact XXXX. I have been trying to get this taken care of since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SERVICEMAC, LLC
State: UT

Complaint narrative:
In response to - COMPLAINT ID XXXX - Which was closed prematurely and has lots of issues that remain unaddressed : In response to ServiceMacs recent reply to my CFPB complaint, I must point out a significant inconsistency in the explanation provided regarding PMI removal timelines. In multiple written communications and phone conversations prior to my complaint, ServiceMac clearly stated that the PMI removal decision would be made within 1015 business days after the completion of the XXXX. I relied on this specific timeframe when paying the {$190.00} fee and proceeding in good faith with the process. 

However, in your response to the CFPB, you now reference a 45-day timeframe based on your PMI Removal Form. This represents a direct contradiction. If the 45-day window is your formal policy, then issuing a more specific 1015 day promiseafter payment was collected and the XXXX was completedcreates confusion and undermines the reliability of your servicing practices. A consumer should not be held to your forms general conditions if your representatives make more specific assurances in writing. 

Additionally, the CFPB response asserts that ServiceMac has no control over the timing of the XXXX or the investors review because the vendor is assigned by XXXX XXXX. If this is true, it is inappropriate for your company to promise a specific turnaround time that you can not influence. Making such assurances and then disclaiming responsibility constitutes, at best, a breakdown in internal communication, and at worst, a deceptive or misleading servicing practice under Regulation X and the CFPBs Mortgage Servicing Rules.

I request that the CFPB consider whether it is acceptable for a servicer to : Promise a concrete turnaround timeline after collecting a fee from the borrower ; Fail to meet that timeline ; Then retroactively cite a broader policy while disavowing any control or accountability for the delay.

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 2025-03-26 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: MA

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX XXXX XXXX XXXX XXXX - I do not recall ever being late on this account. I asked for the date that I was late but no date was ever provided to me. The 'last activty ' dates are all different as well as 'last reported ' and 'date of last payment. ' This suggest a billing error. Please update this account to never late. 

XXXX - XXXX - This is an open account with inaccurate late payments across the three bureaus which is clear to see there is a billing error. The 'last activity ' dates are wrong, the 'high balance ' is incorrect, 'last reported " dates are wrong, as well as 'last payment ' date. Please update this account to never late due to these billing errors. 

XXXX XXXX XXXX XXXX - This account is reporting positive with no lates on Transunion. How can that be? The 'date opened " dates are inaccurate, as well as the 'hgh balance. ' There are also three different statuses reflected for this account. One bureau says that 'last activity ' date was XXXX while one says XXXX and the other says XXXX. I would appreciate you updating this account to never late due to the many billing errors. 

XXXX XXXX - XXXX - XXXXhe 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX XXXX - XXXX - XXXX 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX - XXXX - XXXX 'payment history ' is different across the three bureaus which suggests a billing error. Please delete. 

XXXX - XXXX - This account is listed as a collection but reporting as open with XXXX. Please delete. 

XXXX - XXXX - The 'payment history ' is different between Equifax & Experian , which suggest a billing error. Please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX - I do not know why this is reporting when I only have one address and this is not my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. 

Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX  XXXX - XXXX -This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; the high balance is reporting incorrectly, status reads 'in dispute ' meanwhile dispute status reads 'account not disputed ' and date of last payment is not reflecting correctly. Due to billing errors, please update to never late. 
XXXX - XXXX - This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; date of last activity is different for all three bureaus ; date of last payment is different for all three bureaus. Due to billing errors, please update to never late. 
XXXX XXXX - XXXX - This is an open account however XXXX reads positive with no lates, which suggests a billing error with XXXX and Equifax. Date of last payment are not correct. Due to billing errors, please update to never late. 
XXXX FUNDING - XXXX - I have never done business with this co. 
XXXX XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; date of last payment do not match. Due to billing error, please delete this account. 
XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; payment history does not match ; last reported dates do not match, date of last payment dates are all different. Due to billing error, please delete this account. 
XXXX XXXX XXXX- I should only have one address on my report and this is not mine. I have already asked for it to be deleted. Please remove.

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 2025-03-26 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: FL

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. 

Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX  XXXX - XXXX -This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; the high balance is reporting incorrectly, status reads 'in dispute ' meanwhile dispute status reads 'account not disputed ' and date of last payment is not reflecting correctly. Due to billing errors, please update to never late. 
XXXX - XXXX - This is an open and current account yet the date of last activity dates are all different and XXXX bureau reads last date of 2023 ; date of last activity is different for all three bureaus ; date of last payment is different for all three bureaus. Due to billing errors, please update to never late. 
XXXX XXXX - XXXX - This is an open account however XXXX reads positive with no lates, which suggests a billing error with XXXX and Equifax. Date of last payment are not correct. Due to billing errors, please update to never late. 
XXXX FUNDING - XXXX - I have never done business with this co. 
XXXX XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; date of last payment do not match. Due to billing error, please delete this account. 
XXXX - XXXX - This charge-off account is inaccurately reporting a past due amount and delinquency after the charge-off date. A charge-off should not have a past due balance. Last activity dates do not match ; payment history does not match ; last reported dates do not match, date of last payment dates are all different. Due to billing error, please delete this account. 
XXXX XXXX XXXX- I should only have one address on my report and this is not mine. I have already asked for it to be deleted. Please remove.

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 2025-03-26 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: IL

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 ) 281 SW 715.719. 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
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This time Im hoping that you will take this seriously and help me with this issue. I have repeatedly asked them to not pour the monies that Im giving them towards my loan. I have made arrangements to pay at the end of the month {$590.00} towards my back pay and {$590.00} on the third of the month for my car payment. These people refused to abide by their own terms and they still trying to not put any of the money towards the back car payments. This is not helping me and why would I keep paying them and the situation is not resolved. Maybe now that yall are back yall can take a serious look at the complaints coming through and help us. Because last time I checked this company is supposed to help the consumers not the company itself. These companies lie and manipulate yall into thinking theyre doing what was told to them theyre not. So maybe you can dig deeper and help us this time around. These are predatory loans and you all know that. According to your site you j know that this company uses scare tactics and manipulation, yet youre not doing anything about it so that others dont get caught up in this fiasco.

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 2025-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
i want reported accounts to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
i want reported accounts to be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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