vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings against them for similar violations. 

I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. This is in relation to 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my finical institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have on several occasions tried to log into my mohela account. When I enter my information they say they dont recognize it. When I try to make an account they say an account already exists. 
Ive tried calling them. 5 hours on hold with no success in getting through. 

They placed my account in forbearance without my permission. I am trying to get them to resume payments but I cant get through to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 am submitting this complaint regarding TransUnion & XXXX  repeated failure to correct inaccurate information on my credit report, despite proper documentation and multiple disputes. Their refusal to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ) constitutes willful noncompliance, which has caused significant harm to my creditworthiness and financial standing. 

Key Issues : XXXX. XXXX XXXX XXXX These accounts are listed as student loans on my XXXX credit report, with delinquency records and balances that are both inaccurate and harmful to my credit score. 
These loans were discharged under the XXXX XXXX XXXX by the U.S. Department of Education, as they were deemed fraudulent and unenforceable due to misrepresentations made by the XXXX XXXX XXXX XXXX. 
As of today, these loans no longer appear on my XXXX profile, further confirming that they were properly discharged and should not remain on my credit report. 
Despite multiple disputes and submission of the XXXX XXXX XXXX XXXX, XXXX  has refused to remove these accounts. 

Requested Resolution : Immediate removal of all XXXX XXXX XXXX my XXXX credit report. 
XXXX. XXXX Department of Education Accounts : These accounts are listed as student loans on my XXXX credit report and accurately reflect a positive payment history. 
I request that the payment history for these accounts remain intact, as it contributes positively to my credit profile. However, the balances must be updated to {$0.00}, and the status updated to satisfied, consistent with the discharge under the XXXX XXXX XXXX. 
Requested Resolution : Update all US Department of Education accounts to reflect {$0.00} balance and satisfied status while retaining the payment history. 

Evidence Provided : XXXX XXXX XXXX : Confirms the discharge of XXXX XXXX and the determination of fraud. 
Credit Report Details : Identifies the XXXX XXXX and US Department of Education accounts with their balances, delinquencies, and payment histories as they appear on my XXXX report. 
Screenshots from StudentAid.gov : Demonstrates that the loans have been discharged and no longer exist in my federal profile. 

Harm Caused : TransUnion & XXXX failure to correct this information has caused financial harm by : Reducing my credit score. 
High interest rate on a car purchased in XXXX. 
Limiting access to credit opportunities. 
I have experienced emotional distress and have had to dedicate unnecessary time and resources to resolving this issue.

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 2025-01-28 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: LA

Complaint narrative:
Upon reviewing my consumer reports, I discovered instances of late payments reported on my account with XXXX, Account Number XXXX, which I believe are inaccurate. Consumer Reporting Agencies play a critical role in maintaining the accuracy of reported information, as mandated by the Fair Credit Reporting Act ( FCRA ). It is imperative that my credit history is accurately reflected, as I have consistently upheld my financial obligations. 

I have never missed a payment on this account, this account was paid in full and closed at my request, as reflected in the comments section of the report. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of this payment. If unable to furnish such proof, I demand that the inaccurate late payment entry be promptly removed 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 explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the payments history some of the months are current and they don't said okay because I pay those dates please remove the current and correct the Payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately.additionally they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that XXXX was not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams

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 2025-01-28 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:
I Found fraudulent inquiers in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Plese remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I started a mortgage loan on XX/XX/XXXX with XXXX XXXX. They ended up transferring my loan so Select Portfolio Servicing , Inc . I have been sending {$140.00} extra every month since the beginning to this company. Like all the other banks/mortgage companies that I have ever had I assumed that the extra amount would go directly to the principal balance. Come to find out, this company never applies the additional funds to the principal. They sit on it ( statements show extra payments as UNAPPLIED ) and end up applying it wherever or however they want. If they would have applied the extra payments to the principal my current balance would be at least $ XXXX LESS. Based on my amortization the goal was to pay it off 10 years earlier and save a lot of interest. Not only has my principal balance NOT gone down as I expected but I paid {$1000.00} more in interest for XXXX than what I paid in XXXX, that is what caught my attention. I know that I should have caught this issue from the beginning but it was my husband making the payments and never looked at the statements. It was just recently that I realized what was going when I saw the XXXX showing ALL the interest we paid for XXXX. I find this company 's practice deceiving and a terrible way to make more money off of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
We brought a used car whose value is {$18000.00} + other charges of around {$6000.00} So total value is {$25000.00} and we paid {$10000.00} down payment in cash and for the remaining amount we do financing from capital one. Now when we checked on capital one website it shows us that the value of vehicle is {$35000.00} and we have to pay {$25000.00}. I dont understand it because the vehicle market value is {$19000.00} then why the dealership is charging us {$10000.00} more. We also approached the dealership but they refused to talk with us. 

XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
Inaccurate information ( names ) I spoke with a representative from Experian about personal information and it was removed on the XXXX of XX/XX/XXXX and placed back on the credit report on the XXXX of XX/XX/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 2025-01-28 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: IN

Complaint narrative:
Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian based on their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681C ( c ).

I have disputed errors on my credit report with Experian multiple times, but despite my efforts, Experian has not properly investigated my disputes, nor have they corrected or removed the inaccurate information. This has resulted in harm to my ability to access credit, housing, and employment opportunities. Specifically, I have experienced [ mention any specific negative impacts, like being denied credit, being unable to rent a home, or losing out on job opportunities. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your time 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 2025-01-28 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
In accordance to the fair credit reporting act ( FCRA ) Account # XXXX has violated my rights Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

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 2025-01-28 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: NV

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>

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 2025-01-28 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: GA

Complaint narrative:
I am writing to formally request the removal of a debt listed on my credit file, as it has become an undue hardship, affecting my ability to secure necessary financial resources. 

This debt is causing significant strain on my financial situation, impacting my access to essential goods and services. Despite my efforts, the presence of this debt on my credit report hinders my capacity to move forward and establish financial stability. 
XXXX XXXX  falsely advertised the BA program and changed it over time so that I could not obtain my degree because of the XXXX in loans that I racked up going to this school and still no degree. I completed XXXX credit hours and they changed the program and advised me that I would have to start over,. 

Additionally, I have pending a Borrower 's Defense application related to this debt, which I believe was incurred due to the XXXX XXXX  failure to provide an expected standard of education/service. 

I kindly request your understanding and action to remove or reconsider this debt in light of the undue hardship it imposes. I am willing to provide any additional information or documentation needed to facilitate your review.

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 2025-01-28 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: GA

Complaint narrative:
I am writing to formally request the removal of a debt listed on my credit file, as it has become an undue hardship, affecting my ability to secure necessary financial resources. 

This debt is causing significant strain on my financial situation, impacting my access to essential goods and services. Despite my efforts, the presence of this debt on my credit report hinders my capacity to move forward and establish financial stability. 
XXXX XXXX  falsely advertised the BA program and changed it over time so that I could not obtain my degree because of the XXXX in loans that I racked up going to this school and still no degree. I completed XXXX credit hours and they changed the program and advised me that I would have to start over,. 

Additionally, I have pending a Borrower 's Defense application related to this debt, which I believe was incurred due to the XXXX XXXX  failure to provide an expected standard of education/service. 

I kindly request your understanding and action to remove or reconsider this debt in light of the undue hardship it imposes. I am willing to provide any additional information or documentation needed to facilitate your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to formally request the removal of a debt listed on my credit file, as it has become an undue hardship, affecting my ability to secure necessary financial resources. 

This debt is causing significant strain on my financial situation, impacting my access to essential goods and services. Despite my efforts, the presence of this debt on my credit report hinders my capacity to move forward and establish financial stability. 
XXXX XXXX  falsely advertised the BA program and changed it over time so that I could not obtain my degree because of the XXXX in loans that I racked up going to this school and still no degree. I completed XXXX credit hours and they changed the program and advised me that I would have to start over,. 

Additionally, I have pending a Borrower 's Defense application related to this debt, which I believe was incurred due to the XXXX XXXX  failure to provide an expected standard of education/service. 

I kindly request your understanding and action to remove or reconsider this debt in light of the undue hardship it imposes. I am willing to provide any additional information or documentation needed to facilitate your review.

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