vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: HI

Complaint narrative:
I am submitting this formal complaint against MOHELA regarding issues with my XXXX-XXXX  XXXX ( XXXX  ) application and the continued miscommunication I have experienced with their customer service team. 

In XX/XX/XXXX, I submitted an XXXX  application to MOHELA, expecting the proper processing of my request. However, in XX/XX/XXXX, I received a notification indicating that my XXXX plan had ended and that my standard payment of {$1400.00} would resume due to my failure to apply for XXXX. This notification was incorrect, as I had already submitted my XXXX  application well in advance. 

Since receiving this notification, I have attempted to resolve the issue by contacting MOHELAs customer service several times. On each occasion, I was placed on hold for almost XXXX hours before speaking with a representative. I was told by the representatives that the delay in processing my XXXX application was due to the government and that MOHELA was unable to proceed. However, no clear explanation was provided, nor was any resolution offered. 

In XX/XX/XXXX, I received a letter from MOHELA stating that my new monthly payment was {$1400.00} and would begin on XX/XX/XXXX. This contradicts previous information I was given over the phone, where I was told I was in forbearance. The representative instructed me to call backagain, after an extended hold timeto request an extension of forbearance until my XXXX  application could be processed. 

This ongoing confusion and lack of communication from MOHELA have created significant distress and uncertainty regarding my loan payments. Despite my repeated attempts to resolve the issue, MOHELA has failed to provide a timely and accurate resolution, leaving me unsure of my current payment status and options. 

I am seeking assistance from the Consumer Financial Protection Bureau to ensure that my XXXX application is processed correctly and that any unnecessary or incorrect payments are avoided. I request that MOHELA promptly resolve this issue and provide me with accurate, clear, and timely communication regarding my XXXX  status and payment schedule. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX Bank they hold a Federal Loan Check claiming was fraudulent, The check was from an account in the same bank and the check was coming from Federal Funds. They still claiming the check was fraudulent and have to sent ton of documents and still making me wait to get my money. Terrible experience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
Here is a timeline of events : I received a form in the mail stating that I could make my payment after the XXXX of the month. 
On the XXXX, when I had the funds available, I called their customer service line and was told I could not make the payment until the XXXX. 
By the time I was allowed to pay on the XXXX, I no longer had sufficient funds to cover the remaining balance for the month. 
Today, I was informed that I must restart the entire hardship process because of this 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY XXXX  OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX  says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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 2025-03-06 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, complaint against American Express for failing to honor the promotional offer associated with my XXXX XXXX XXXX American Express XXXX ( last XXXX digits : XXXX ). This promotional offer was advertised and promised at the time of my XXXX airline ticket purchase and credit card application on XX/XX/2024. American Express has denied the promotional benefits despite my full compliance with the offer terms. The offer ( XXXX XXXX ) included : {$500.00} Statement Credit To be issued after making the first XXXX purchase within XXXX months of account opening. I have fully satisfied the terms of the promotion, yet I have not received the promised benefits. I applied for the XXXX XXXX XXXX American Express XXXX on XX/XX/2024, during checkout on Deltas official website.My application was immediately approved, and I made a XXXX airline purchase at the same time.Qualifying XXXX Purchase : Date of Purchase : XX/XX/2024 Merchant : XXXX XXXX XXXX, Transaction Amount : {$710.00} Transaction Posted to Card : XX/XX/2024 SkyMiles Account Number : XXXX have contacted American Express customer relations multiple times, yet they continue to ignore my request and have not honored their promised promotional benefits. They have also failed to respond to my inquiries in any form, showing a lack of good-faith effort to resolve this matter. By advertising and promoting this offer, American Express is legally and ethically obligated to honor its terms. Their failure to do so constitutes : Breach of Contract A binding agreement was formed when I applied for the card based on the promised promotional terms.False Advertising American Express used misleading promotions to encourage applications but failed to deliver the promised benefits.Unfair and Deceptive Business Practices Denying rightful benefits after the customer has fully complied violates consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-03-06 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent dispute letters to Equifax, XXXX, and XXXX - requesting the verification of several inaccurate accounts reporting in my credit reports. I also sent a request for debt validation to XXXX XXXX XXXX for a collection appearing in my credit reports that I am not aware of. In XXXX, XXXX sent me the dispute results showing that XXXX accounts have been removed from my XXXX report but, as of today ( XX/XX/year> ) Equifax, XXXX, and XXXX XXXX XXXX have not responded. This is a clear violation of the XXXX days these companies have to complete my dispute requests in accordance with the FCRA and the XXXX days that XXXX XXXX XXXX has to complete and respond to my request for debt validation documents per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: ND

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report please remove these account 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 2025-03-06 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In XXXX, a XXXX account was opened in my name with a social security number ending in XXXX. This is not my last XXXX digits, and when I tried to tell the creditor this, they took this to court, and I am being sued for XXXX. I don't have a problem paying delinquent bills, but this is not my bill to pay. I have had numerous issues with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: NC

Complaint narrative:
It seems that even the support staff can not help or undo it's characteristics to retrieve money that was on automation from one entity to another. XXXX has sent the proof ( via statement ) that my money ( {$170.00} ) was sent into XXXX XXXX XXXX XXXX Account ( aka Branch account ). I have since sent a copy of the statement to Branchs support group to verify in their system. They say the account is deactivated and sent me a false statement. 

The account was supposed to have been deactivated by XXXX, Resolution Specialist of Branch Support on XX/XX/year> Then on Wed, XX/XX/year>, XXXX XXXX Support sent me an email : Hi XXXX XXXX Thank you for reaching out. I'm XXXX from XXXX XXXX, and I'm here to assist you. 

We understand the confusion and trouble caused regarding your earnings. It's crucial for you to receive the correct amount for your work. After reviewing your account, I noticed that you're using auto payout to receive your earnings in XXXX XXXX XXXX after each trip. 

Auto payouts are automatically enabled when you activate your XXXX XXXX XXXX. You can turn this feature off or back on at any time in the XXXX XXXX by following these steps : Tap on the Wallet tab Tap on Payment Methods Select XXXX XXXX XXXX For any questions or concerns, please contact our support team via this link. 

We appreciate your understanding and patience in this regard. Thank you for choosing XXXX. 

Thank you for choosing XXXX. 

Unfortunately, I could not get back into XXXX XXXX XXXX ' account ( aka Branch account ) because it was deactivated. So Branch must make it right because it is in their system of operation. So please return my money ( {$170.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Cash App XXXX XXXX XXXX XXXX ) due to unauthorized transactions and their refusal to fully reimburse funds taken from my XXXX  XXXX XXXX account. Despite multiple attempts to resolve this issue with their support team, including correspondence with a specialist named XXXX, Cash App has failed to provide a full refund and has inconsistently addressed the disputed charges. 

Summary of the Issue : Since XXXX, I have identified at least four investigations related to my old Cash App account ( $ XXXX ), where a total of {$400.00} was placed but remains inaccessible. 
Unauthorized transactions totaling {$3700.00} were withdrawn from my XXXX XXXX XXXX account without my authorization. 
While Cash App refunded certain transactions that occurred on XX/XX/XXXX, they refuse to take responsibility for others within the same timeframe. 
Despite providing evidence of unauthorized transactions, Cash App refuses to issue a full refund or explain their selective reimbursement process. 
I have attached relevant correspondence from Cash App, including their refusal to account for certain charges while refunding others from the same period. Given their lack of transparency and failure to address the full scope of my complaint, I am requesting the CFPBs assistance in ensuring Cash App provides a complete refund of the stolen funds. Heres the cash repoert. After review, our team has found XXXX dispute to be refunded in your favor in a total of {$400.00} to your Cash App Balance. This includes the following payments : - {$50.00} - XX/XX/year> at XXXX XXXX - {$60.00} - XX/XX/year> at XXXX XXXX - {$50.00} - XX/XX/year> at XXXX XXXX - {$50.00} - XX/XX/year> at XXXX XXXX - {$31.00} - XX/XX/year> at XXXX XXXX Additionally, our manual review of your remaining disputes and account information has confirmed that the disputes were fraudulent or false. As a result, we have concluded that your disputed transactions were authorized and that no error occurred. This includes the following transactions : - {$210.00} - XX/XX/year> at XXXX XXXX - {$320.00} - XX/XX/year> at XXXX XXXX - {$6.00} - XX/XX/year> at XXXX XXXX - {$65.00} - XX/XX/year> at XXXX XXXX - {$220.00} - XX/XX/year> at XXXX XXXX - {$17.00} - XX/XX/year> at XXXX XXXX - {$12.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$150.00} - XX/XX/year> at XXXX XXXX - {$510.00} - XX/XX/year> at XXXX XXXX - {$820.00} - XX/XX/year> at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> I received in the mail a card ( Visa ) from CHIME. I did NOT open nor authorize this card. 
I have my credit frozen with all XXXX Major Credit reporting agencies so no one should have been able to open an account in my name. 

I called CHIME and asked them to close it and my confirmation of same. They tell me they can not close it because I opened it which is nuts. I need it closed. Obviously, who ever opened it did so fraudulently and that can not stand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my credit file, I noticed the following inquiries that I did not authorize : XXXX Dated XX/XX/2023 XXXX XXXX XXXX Dated XX/XX/2023 Under the Fair Credit Reporting Act ( FCRA 604 ), a creditor must have permissible purpose and proper authorization to access my credit report. Since I was not approved for credit and I do not recall signing any explicit authorization allowing these inquiries, I am requesting immediate removal. 

I kindly ask that you provide proof of signed authorization for each inquiry listed above. If you can not provide such documentation, I expect the immediate deletion of these inquiries from my credit report. 

Failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance with federal regulations. 

I appreciate your prompt attention to this matter and request a written response within XXXX days.

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