vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
My school have interfered with distribution of my credit balance from XXXX and XXXX and retaliated against me for demanding payout of my credit balance of MY LOAN Balance. 
XXXX ISSUES First, ( in XXXX ) they prevented me from putting back a class that was acidentally dropped, ( unformalized understanding of online portal and lack of safe guards to prevent or confirm drop class confirmation options ). 
Second ( in XXXX ), They enrolled me in a Spanish class that required student to pay for access to a special application from a external vender, knowing I told them I was homeless, unemployed, and walking to school for lack of money. 
Third, ( In XXXX ), XXXX debt of - {$1500.00}, for the accidentally Dropped class, when it states full refund due to class was dropped timely. Then when I disbuted thier claim of why I owed, they changed it to I owed it for purchases from the school store, which is false, due to them taking, or should have taken it out of my active loan. 

XXXX The school continued their retaliation in my new school year XXXX by placing me on academic probation for not failing classes ( XXXXXXXX XXXX class ), I could not access due to lack of funds and homelessness, so this means I must obtain passing grades in all my XXXX classes, but my test records clearly shows I lack knowlege of many subject areas and require tutoring. 
XXXX XXXX XXXX XXXX, I attended XXXX when I was much younger, so it's much harder for me then a younger student fresh out of high school, but yet they offer no senior tutoring programs. 

At present I am in a math class for XXXX semester, I currently am having problems understanding the work, I emailed my teacher for help, but her response was giving me until the XXXX of XXXX, but did not offer me any tutoring information or assistance, fully knowing I am on academic probation, this is because the retaillation continues. 
Now they will use the academic issue to hold up my credit balance distribution, again. 
I have found many other students who have received this same treatment from this school, the stealing of our money then using their unfair polices to remove the student or prevent payout of the students credit balance, but they always deduct the money we owe for their classes and school store credit purchases for books and computers, needed for classes. 
This is not what I borrowed money for. I paid for a quality education this school advertised, If a student states he needs help, true educational schools are suppose to tutor or provide help understanding material, not placed on academic probation and their account looted, and then procedurally removed from class and funding.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer 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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: T.S. Holdings
State: TX

Complaint narrative:
This company and IQ Data are both trying to collect the same debt. During COVID-19 I was enrolled in rent relief programs both state and federal. XXXX XXXX XXXX XXXX  are owned and managed by the same company. I was being stalked and after my lease at XXXX finished they moved me down the street to XXXX. After I was attacked management illegally evicted me. XXXX was notified to stop harassing me, through email or my credit. This is fraud and extortion. I will not pay this when victim services police dept and the state of Texas have XXXX housing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
The receivable management service states XX/XX/year> violence was open of {$280.00} and I have no knowledge. I am not an any contractual agreement with them at all. And I do not have any accounts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
XXXX inquires on my credit report for auto loans that I didnt authorize. Also credit cards in my credit thats not mines and it affecting my credit. Bankruptcy on my credit report and student loans thats affecting my 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Account has been settled please report my credit reporting accurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against cashapp ( Block , inc . ) due to inadequate customer Service and unfair practices, which violate The consumer financial protection act ( Cfpa ) .Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore their resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
My account with XXXX XXXX is wrongfully reflecting delinquent payments, despite my unwavering record of timely payments. Dates XX/XX/XXXX, XXXX XXXX, and XXXX XX/XX/XXXX. It is your legal responsibility, as mandated by the Fair Credit Reporting Act FCRA, to ensure all information on consumer reports is both accurate and complete. 
I demand an immediate and exhaustive investigation into these grave discrepancies. Furthermore, I insist on being provided with irrefutable documentation, such as account statements, substantiating any claimed late payment. Should you fail to produce such evidence within the regulatory time limits outlined by FCRA, I expect a prompt amendment to my report to accurately reflect my untarnished payment history. This is in alignment with the requirements specified in FCRA Section 611. Your swift action is not merely anticipated ; it is essential.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Personal information was stolen due to a data breach in the credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
In XX/XX/XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes. Experian has been accused of not investing correctly and inserting inaccurate information on credit reports. Including mine. 


Equifax was a subject of a data breach in XXXX. 

Transition has stolen millions of identities, including mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
In XX/XX/XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes. Experian has been accused of not investing correctly and inserting inaccurate information on credit reports. Including mine. 


Equifax was a subject of a data breach in XXXX. 

Transition has stolen millions of identities, including mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint regarding XXXX XXXX XXXX XXXX collection efforts for a toll fee of {$310.00}. This is the first letter I have received from them, and I am unaware of any toll fee that I owe. 

Despite my lack of awareness of this fee, XXXX XXXX XXXX has been persistently contacting me. I have not received any prior notice or documentation regarding this toll fee. The amount in question seems exorbitant, and I am concerned about the legitimacy of this claim. 

I kindly request your assistance in investigating this matter and ensuring that any erroneous charges are addressed promptly. If I do owe any amount, I would like to know the original fee without any added interest, so that I can resolve this matter by paying the correct amount. 

Enclosed with this letter are copies of the correspondence I have received from XXXX XXXX XXXX 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I made a payment to Barclays Bank credit card for {$460.00} on XX/XX/2024. I used XXXX XXXX XXXX. Somehow XXXX assigned the wrong credit number to the payment. I have called and written Barclays. There was a payment also sent by XXXX incorrectly in XX/XX/2024. Barclays found that payment and sent it back to XXXX. But Barclays can not find {$460.00} and told me to have XXXX recall the payment. XXXX states they can not do that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. US DEPT ED, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX, XXXX, opened XXXX 2023, Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Number:XXXX XXXX, XXXX, Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. US DEPT ED, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX, XXXX, opened XXXX 2023, Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Number:XXXX XXXX, XXXX, Account Number:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX my cellphone lost all service and would not work. After going to XXXX  XXXX  they informed me that my phone number had been switched in the middle of the night to a new device. I said it wasn't me, they informed me it's been happening often recently and its usually and indication someone is trying to commit fraud. I Immediately check my Chase account once my phone was working and recognized unauthorized charges. They were all small online purchases through XXXX except one very large charge for XXXX dollars through a company called XXXX  I Immediately submitted a claim through the chase fraud department. They initially refunded the money, but approximately 6 weeks later they took back the XXXX dollars. When I called to asked about it they said after their investigation they determined that it was not a fraudulent charge and that I had infact authorized it! I've requested an explanation so that I can appeal multiple times, first they said I would have it in 2 days on line, next they said 7 to 10 days in the mail, today they said 15 days. I have yet to receive it and am still waiting for an explanation. After initially speaking with Chase and filling the claim, I tried to log in to my email and discovered that on the same day my phone number was stolen, in the middle of the night, my email had also been hacked and my password had been changed! 
This is obvious fraud! The criminal was able to use my phone number and email as a way to authenticate these purchases. My identity was stolen plain and simple. Fraud departments are supposed to be able to detect fraud, but in this case they clearly failed. I have filed a police report but this is not supposed to happen, and given the treatment so far from chase I have zero confidence i will ever recoup the stolen funds. People should be aware their money is not safe with chase. If and when chase sends me an explanation for the denial of my claim I still will be forced to somehow prove to the bank that I'm not guilty of attempting to defraud Chase. How can this happen? Chase informed me I have to gather all supporting evidence. How am I responsible for investigating and proving to Chase that it wasn't me when the strategy of this criminal was to pretend to be me! Apparently so convincingly that Chase 's fraud department believes it was. I have no recourse here, my money was stolen Chase doesn't believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
They have alleged that 91 payments were missed when in fact the mortgage companies forced me into Bankruptcy and then Sold the loan to other mortgage companies, never received and requested paperwork from said services whom were acting as a debt collector which is illegal according to state law. The mortgage company stop accepting my mortgage payments after I raised questions about my mortgage account. The mortgage companies would refused to send me all original data and would hire the attorneys that would produce docs from the court houses as public records which are not the original documents. Many missing documentation from all mortgage servicer. They the mortgage company purchased the debt for pennies on the dollar and still are trying to collect on the false amount that is way more than what was ever owed. 

They refused to speak with me about getting to the correct department that they said would be responsible for providing proof of the amount that they say that I owe. 

The last amount was {$340000.00} - XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Then they sold the loan to XXXX XXXX as a front to avoid the obvious because the attorney that they hired orchestrated the whole fraudulent act. 

I was forced into bankruptcy and it has been difficult ever since, but I will continue to fight as long as it takes. Most recently the new servicer took my lump some payment and then told me that they never received any email correspondents reflecting the said amount and told me that they were going to foreclose at a future date but no date has been scheduled at this time. Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is listed under XXXX, with account number XXXX. 



The inaccuracies in this report include : 1. Status of Account : The account is inaccurately reported as a repossession. I dispute this status as incorrect.

2. Past Due Balance : The report reflects a past due balance of {$20000.00}, which is incorrect.

3. Payment History : The reported late payments and derogatory marks do not accurately reflect my payment history.

4. Date of Last Activity : The date listed may not be accurate, affecting the overall reporting of this account. 



Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. Please provide documentation verifying the accuracy of this account. If the creditor can not verify the accuracy, I request the removal or correction of this information from my credit report. 



Attached, I have included copies of my credit report highlighting the disputed information, along with any supporting documentation. Please update my records accordingly and provide written confirmation of the outcome of your investigation. 



I appreciate your prompt attention to this matter. Please respond within the 30-day timeframe as required by the FCRA. You may contact me at the above address or phone number if additional information is needed. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Ive checked my credit report and I have no outstanding debts and they call multiple times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. US DEPT ED, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX, XXXX, opened XXXX 2023, Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Number:XXXX XXXX, XXXX, Account Number:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
This is in my credit report and this company closed my account and got a write off I never received a 1099c and u can not report taxable income on a credit report I asked that this please be removed I disputed it several times and no luck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 got an alert today from an unfamiliar creditor thats Ive had no knowledge of Ive been a victim of identity theft. So soon as I noticed it I added it on my ftc 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 2025-02-08 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: TX

Complaint narrative:
I got an alert today from an unfamiliar creditor thats Ive had no knowledge of Ive been a victim of identity theft. So soon as I noticed it I added it on my ftc report

Company response to consumer: Closed with explanation