vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX I received a notification that my credit score dropped due to an entity called MohelaXXXX reporting I was 90-120 days late on payments for a student loan that I never took out with them. I reviewed the information that was submitted and put in a dispute with XXXX. It took a couple of weeks for XXXX to come up with a resolution and on XX/XX/XXXX the results from the dispute came back as remains XXXX did not provide any detailed information to me about what was investigated and what and who they spoke to, to confirm I have a debt with Mohela/ XXXX reporting negative on my credit report. This has been fraudulently reported to my social security number and credit report causing a hardship. Also looking at the negative accounts from MohelaXXXX the dates of non payment do not match up. For example it states that I supposedly made all payments for XXXX and never missed a payment that whole year, and then XXXX of XXXX it reported that I was 90 days late and were only in the month of XXXX and this was reported in XXXX. Also it states XXXX  120 days late and also in XXXX 120 days late. Also there are large chunks of dates with ND meaning no data. Which also makes me question even more how did this information come about and why was this allowed on my credit report, especially with the numerous misinformation all throughout the reported loan. It was almost as if XXXX was too lazy and didnt care to do a full investigation on the dispute and also, I may have been getting robotic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Nelnet, Inc.
State: PA

Complaint narrative:
I Attended XXXX XXXX  online and completed a XXXX XXXX in XXXX XXXX. During this time period from XXXX until XXXX the college switched me between XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Upon graduation I found out my degree was switched to business security and my master 's degree was changed to never completed by XXXX and also they do not have a criminal Justice program. Also, my loans were moved between XXXX XXXX, Mohela, and XXXX and XXXX. I paid XXXX in total from XXXX until XXXX when I received a borrow forgiveness. I never received the money I paid out of pocket for XXXX payments and now very little shows up about any payments paid towards XXXX. Also, my records on studentsaid.gov are not showing any record of my master 's degree and the degree types are not correct, the transcripts I finally obtained show criminal Justice all the way until Masters with 8 credits remaining which I completed. Finally, XXXX XXXX claimed for years my degrees were not valid even with transcripts. I am overwhelmed as I have wasted a decade and now more pursuing careers and education while working. I paid an estimated XXXX, more likely more and also only received two stipend from my time attending these scam colleges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Chime Financial Inc
State: OK

Complaint narrative:
On XXXX XXXX XXXX, My XXXX XXXX XXXX XXXX XXXX ( Containing my debit cards, id, and drivers license were stolen from me at my trade school ( XXXX XXXX XXXX XXXX ) On XXXX XXXX XXXX XXXX iXXXX XXXX XXXX XXXX XXXX The person who stole my debit card made several transactions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX at various restaurants ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). I contacted these merchants and explained the scenario that happened to them and was able to get in contact with the merchants, all of which said theyd be able to work with the financial institution ( Chime ) to reimburse me for the stolen funds. I then disputed these transactions with Chime, who denied my transactions on the basis of no error occuring, when there was evidence proving unauthorized transactions did occur with three different emails from three different merchants confirming as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I submitted documentation about information being leaked through several different data breaches, and TransUnion was supposed to block the reported information within 4 business days, and they have not. I called the company arounXXXX XXXX XXXX today, XXXX XXXX XXXX, and the representative hung up on me and added my number to a dialer so that I can no longer get through to a representative.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request that you ensure my credit profile contains only accurate, current, and complete information as mandated by the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act 15 U.S. Code 1681e, A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Any information provided that does not meet these standards should be permanently and immediately removed. I do not authorize the reporting of any fraudulent, incorrect, or inaccurate information now or in the future. Upon reviewing my credit profile, I have identified inaccuracies as well as potential fraudulent names, addresses, employers, spouse or co-applicants, and phone numbers.

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 2025-03-30 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: SC

Complaint narrative:
Under consumer law, a valid contract is a fundamental requirement for any legal obligation to exist between parties. If I have not entered into a formal agreement or signed a contract with the company in question, I am not legally bound to any debt they claim I owe. In the absence of a contract, there is no enforceable obligation to make payments, as contracts define the terms, rights, and duties between the parties. Furthermore, consumer protection laws require companies to provide clear evidence of the CONTRACTUAL relationship before they can pursue any claims for debt repayment. I have made multiple attempts with both the corporation XXXX and each of the credit reporting agencies to provide legitimate proof of contract between XXXX and myself , without any valid response. They have continued to report this account without my consent, and continue to change the details of this alleged account each month such as the accounting error which changes the terms from fixed to variable, therefore creating further damages to myself and my ability to access my credit for vital needs. Therefore, without a signed or legally binding agreement, I am not responsible for any debt allegedly owed to the company.

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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Viewing my Credit Profile I noticed a XXXX  Phone Contract that is not mines or belong to me. I in fact have not received or obtained any service or goods pertaining to this invalid in accurate information reporting to my credit profile it is in violation of my fair credit reporting act. usc 611. and it is defamation of my profile reporting a balance of $ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened a Capital One Savings account in XX/XX/XXXX I had a balance of {$100000.00}. See attached Excel file with balances over time. Capital One opened a Performance Savings account around XXXX and advertised highest rates of over 5 % but deceptively never told me thru email or in the website about this higher paying account and kept my regular savings at artificially low rates of 0.30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
Duplicate and inaccurate information on credit reports even after corrected XXXX XXXX EXPERIAN have multiple inaccurate business names on my report Please remove " XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX XXXX '' the only accurate name on the report is " XXXX XXXX XXXX '' and should only appear once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
Duplicate and inaccurate information on credit reports even after corrected XXXX XXXX EXPERIAN have multiple inaccurate business names on my report Please remove " XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX XXXX '' the only accurate name on the report is " XXXX XXXX XXXX '' and should only appear once.

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 2025-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I opened a savings account with Ally bank online utilizing a 'refer a friend ' program link. Ally bank confirmed my enrollment in the program under the email XXXX and confirmed opening the savings account ending in... XXXX. 
In order for myself and the referring person to receive the bonus ', I had to start a qualifying monthly automated recurring transfer within XXXX days of opening the account. This was also email confirmed by Ally and set to make an initial transfer on XX/XX/XXXX. The requirements stated that once XXXX back-to-back monthly automated recurring transfers were completed, my {$100.00} welcome bonus and the referrers {$50.00} bonus would be deposited within 30 days of that third completed transfer. 
I initiated a Chat on XX/XX/XXXX ( at which time I had completed XXXX transfers ) ( XXXX, XXXX, XXXX and XX/XX/XXXX ) and was told I had met all the requirements and should be receiving the bonus shortly. I followed up again on XX/XX/XXXX and was told the same. On my XXXX followup ( XX/XX/XXXX ) I was advised that 'the program was so successful that they were a few months behind, but I should receive the bonus shortly '. I asked to be escalated to a supervisor, and was told that I would receive a call back from XXXX. I did not. Follow up # XXXX, on XX/XX/XXXX and the representative said the account had NOT be escalated up to a supervisor but that she would do so. She advised I would receive either a call or email and I advised her that I would wait another XXXX weeks and if I did not receive a response from Ally, I would file a complaint. 
SO here we are -- XX/XX/XXXX -- almost XXXX months later and still no bonus ' have been issued. I believe Ally used this program to deceptively encourage people to open accounts with them. As outlined above, I have made a number of attempts reaching out to Ally to resolve the issue to no avail, so I am hoping a reach out from you will help to resolve. 
Thank you.

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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
XXXX stopped communicating XX/XX/year>, call XXXX XXXX no answer, called XXXX XXXX XXXX finance company. They initially indicated they were the finance company. After months of around and around, they finally indicated they were working on contracting companies. This would be a one time fix, we indicated we paid for the life on the loan. The rep indicated they were the finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
equifax hasnt updated my address I have one address Equifax should not be repeoting multiple addresses. according to thr FCRA the credit reeports should be reporting accurate information only. here is my address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, however I will attach a copy of my drivers license, and social security card fir identity verification purposes. please upfate my address and remove other addresses immediately I have no attachments to the other addresses I have one address only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Complaint Against Experian for FCRA Violations, XXXX XXXX Non-Compliance & Refusal to Correct Inaccurate Accounts Dear CFPB, I am filing this complaint against Experian ( and affiliated data furnishers ) for willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and failure to conduct a lawful reinvestigation of disputed accounts, as follows : XXXX. Violations Summary FCRA 611 ( a ) ( 1 ) ( A ) : Experian ignored my disputes ( sent [ Date ] and [ Date ] ) and failed to correct inaccuracies within XXXX days. 
FCRA 623 ( b ) : Furnishers ( XXXX XXXX, XXXX XXXX XXXX, etc. ) provided no proof of account validity or XXXX XXXX compliance. 
XXXX XXXX XXXX : Accounts lack required fields ( e.g., Date of First Delinquency, correct status codes ). 
FTC Opinion Letter ( 2018 ) : Medical collections ( Ability Recovery ) were reported without proper validation. 
XXXX. Accounts Demanding Immediate Deletion Creditor Account # Violations XXXX XXXX XXXX Misreported charge-off ; no signed contract or payment history. 
XXXX  XXXX XXXX Medical debt with no validation ; XXXX XXXX fields missing. 
XXXX XXXX XXXX. XXXX No original creditor docs ; incomplete payment data. 
XXXX. CFPB Action Requested Order Experian to delete all disputed accounts due to non-compliance. 
Penalize Experian for willful negligence under FCRA 616 ( $ XXXX per violation ). 
Audit furnishers ( XXXX XXXX, XXXX XXXX ) for systemic XXXX XXXX violations. 
XXXX. Evidence Attached Copies of dispute letters ( XXXXXXXX XXXX XXXX XXXX ). 
Highlighted credit report showing errors. 
Experians inadequate response ( if any ). 
I demand resolution within XXXX days per CFPB guidelines. 

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 explanation
Consumer complaint received 2025-03-30 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: WA

Complaint narrative:
On XX/XX/XXXX I received a notification that my credit score dropped due to an entity called XXXX reporting I was XXXX days late on payments for a student loan that I never took out with them. I reviewed the information that was submitted and put in a dispute with Experian. It took a couple of weeks for Experian to come up with a resolution and on XX/XX/XXXX the results from the dispute came back as remains Experian did not provide any detailed information to me about what was investigated and what and who they spoke to, to confirm I have a debt with XXXX XXXX reporting negative on my credit report. This has been fraudulently reported to my social security number and credit report causing a hardship. Also looking at the negative accounts from XXXX the dates of non payment do not match up. For example it states that I supposedly made all payments for XXXX and never missed a payment that whole year, and then XXXX of XXXX it reported that I was XXXX days late and were only in the month of XXXX and this was reported in XXXX. Also it states XXXX XXXX  days late and also in XXXX XXXX days late. Also there are large chunks of dates with ND meaning no data. Which also makes me question even more how did this information come about and why was this allowed on my credit report, especially with the numerous misinformation all throughout the reported loan. It was almost as if Experian was too lazy and didnt care to do a full investigation on the dispute and also, I may have been getting robotic responses.

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 2025-03-30 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: NY

Complaint narrative:
After careful review of my Credit File. I noticed 1 account and 3 hard inquiries that doesn't belong to me. The account is " XXXX XXXX '' opened in XX/XX/year>2022 with a balance of {$2700.00}. The inquiries are ( 2 XXXX XXXX XXXX XXXX XXXX, and XXXX. I have never had a utility account with XXXX XXXX or their original creditor, or ever established any business or communications with this company. I also never gave the above inquiries permission to run a hard or soft inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
After careful review of my Credit File. I noticed 1 account and 3 hard inquiries that doesn't belong to me. The account is " XXXX XXXX '' opened in XX/XX/year>2022 with a balance of {$2700.00}. The inquiries are ( 2 XXXX XXXX XXXX XXXX XXXX, and XXXX. I have never had a utility account with XXXX XXXX or their original creditor, or ever established any business or communications with this company. I also never gave the above inquiries permission to run a hard or soft inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing this complaint against Cash App ( operated by Block , Inc. ) because they are preventing me from selling {$27.00} worth of XXXX back to USD within their app, despite my account being verified. This {$27.00} is all the money I have, and I am at risk of XXXX XXXX XXXX without access to it. 

Heres what happened : - I purchased {$27.00} worth of XXXX on Cash App using my available funds. 

- When I tried to sell the XXXX back to USD within the app ( not withdraw or transfer externally ), I was prompted to verify my identity with my SSN. My phone is broken and kept typing incorrect characters, causing me to mess up the SSN input multiple times. 

- Cash App then blocked my ability to sell, flagging my account, and told me to contact support. 

- I contacted support, explaining I only want to sell the XXXX in-app, not withdraw or transfer. They responded that I can buy and sell but not withdraw or transferyet I still couldnt sell. They said there was nothing they can do, which felt like they were holding my money XXXX. 

- Later, Cash App confirmed my identity is verified ( I have a screenshot showing Identity verified ), but I still couldnt sell. They sent vague messages saying I might need to verify further for certain features, but no prompt appeared when I tried to sell. 

- Their final response was to tell me to file a police report and that law enforcement could contact them, which is XXXX a verified user facing a technical glitch, not a criminal. This {$27.00} is a small amount for Cash App to fix, but its my entire lifeline. 

The impact on me is severe : - This {$27.00} is all the money I have left. I need it to buy food and pay for shelter, and without it, XXXX at risk of XXXX 

- Cash Apps refusal to resolve this issue, despite my repeated pleas and proof of verification, is causing me significant distress and financial harm. 

Ive tried to resolve this directly with Cash App through their in-app chat, email ( XXXX ), and by following their instructions, but they keep giving me the runaround with generic responses that dont address my specific issue. Ive also reached out on X ( @ XXXX ) with no resolution. 

Im requesting that Cash App immediately unlock my ability to sell my {$27.00} worth of XXXX back to USD within the app, as Im not attempting to withdraw or transfer externally. My XXXX XXXX XXXX XXXX XXXX  and my account is tied to XXXX I also request that Cash App improve their customer service to prevent other users from facing similar issues. 

-- -

Company response to consumer: Closed with explanation