vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MOHELA
State: TX

Complaint narrative:
Mohela changed websites and after the change they lost all my payment history and reconsolidated my loans and i have lost all my payments to date as if i had never payed. none of the payment information is available online and the average wait time for a call is XXXX sometimes more. They have also purposly put an extra long menu at the in their customer service line wich makes it very time consuming and difficult to reach any human beings. the recent XXXX for that I downloaded is complety inaccurate and reflects alot less then ive payed holding me back from finishing this years taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Copy and paste the following text : The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

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 2025-02-19 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: CA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the 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 non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 accounts, as Experians 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 2025-02-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX I am filing this complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ). TransUnion has failed to provide proper verification of an account I disputed and has refused to remove an account that has been deleted by another credit reporting agency. This failure constitutes a violation of federal law and my rights as a consumer. 

TransUnion failed to provide any documented proof or supporting evidence proving the validity of the account, XXXX XXXX XXXX XXXX. Instead, they merely stated that the account was " verified '' without furnishing any documentation from the original creditor. 

I have documented proof that XXXX removed this same, XXXX XXXX XXXX, account from my credit file after their investigation deemed it unverifiable. 

If one bureau has removed the account due to lack of verification, XXXX continued reporting of the account is a willful violation of the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate and up-to-date information.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i have send the right information then and it is still on my creidit report and i would like for it to remove off i have ask the last past three years for then to fix it .and they have not they keep give run around. re ; experian ; person information XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-19 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: TX

Complaint narrative:
I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rights.

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 2025-02-19 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of XXXX XXXX and the information listed below on my credit report is a direct result of that XXXX In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX ACCOUNT : XXXX XXXX # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.

Thank you for your prompt attention to this matter.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Dispute Regarding Unauthorized Furnishing or Obtaining of Credit Information ( 15 U.S.C. 1681 ) To Whom It May Concern, I am writing to formally dispute the inclusion of my personal credit information in your records and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies and entities furnishing or obtaining credit information. I have reason to believe that my credit information has been furnished or obtained by your agency without my written consent, which is a violation of the requirements under the FCRA. As per 15 U.S.C. 1681b, consumer reporting agencies and third parties must have a permissible purpose to access or report a consumer 's credit information, and they must obtain written consent from the consumer when required. I have not authorized or given written consent to any party to furnish or obtain my credit information through your agency. I request that you immediately investigate this matter, remove any and all unauthorized entries or inquiries from my credit report, and provide me with written confirmation that my rights under 15 U.S.C. 1681 have not been violated. If you find that any entries or inquiries were made in error, or without my authorization, I request that they be permanently removed from my credit file. Additionally, I request that you provide me with a copy of any information, records, or documentation that was used to make the determination that my credit information could be furnished or obtained without my consent. If you are unable to provide this, I demand that the entries be removed in accordance with the law. Please send me a written response within 30 days of receiving this letter, confirming that your investigation is complete and detailing the steps you have taken to correct any errors or violations. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, I don't understand why capital one has decide to close my account because i m 100 % sure that i do not made any activity that need to be considered like anormal or suspected. 
A person who has a bank account is supposed to make bank transfers between their own accounts or to make a payment, as well as pay with credit cards or services and use tools like XXXX to receive or send money to relatives. 
I do not share the bank 's information that the above is considered an abnormal activity of a client. 

So why does the bank decide to close my account by sending me an email with the following information : Were closing your account ending in XXXX XXXX XXXX, Your account ending in XXXX will close on XX/XX/year>, because Capital One has observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage. ( When you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. ) Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Redirect any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/year>, if youd like. Otherwise, well close it and transfer your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, give us a call at XXXX, XXXX XXXX XXXX  XXXX, 7 days a week. Well be happy to help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX for Unauthorized Disclosure of Nonpublic Personal Information Request for Charge-Off/Collection Removal To Whom It May Concern, I am submitting this formal complaint against Elan Financial for violations of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, concerning the unauthorized disclosure and handling of my nonpublic personal financial information ( NPPI ). This violation has resulted in an inaccurate and unfair charge-off/collection account being reported on my credit file. 
Summary of the Issue : On XX/XX/year> I noticed that XXXX XXXX had placed a charge-off/collection account on my credit report with [ XXXX, XXXX, XXXX ] XXXX Upon further investigation, I found that they failed to comply with the privacy and opt-out provisions required under 15 U.S.C. 6802, which govern the sharing of consumer financial data with third parties.

Under 15 U.S.C. 6801, financial institutions must ensure the security and confidentiality of consumers nonpublic personal information ( NPPI ). Furthermore, 15 U.S.C. 6802 states that a financial institution : Must provide a clear and conspicuous privacy notice before sharing personal financial data.

Must allow consumers to opt out before disclosing their NPPI to nonaffiliated third parties. 
Can not share NPPI without proper notice and consent, except under legally permitted circumstances. 
Despite these legal protections, XXXX XXXX failed to : Provide me with a legally required privacy notice before sharing my financial information. 
Obtain my explicit consent before disclosing my financial data to a third-party debt collector. 
Give me a reasonable opportunity to opt out before furnishing my financial information to unauthorized parties. 
Because of these violations, the charge-off/collection account was improperly created and reported, negatively impacting my creditworthiness.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic find transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

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

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/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 2025-02-19 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: AL

Complaint narrative:
I am writing to formally request the deletion of all information from my credit report following the recent data breach that has affected my personal information. As you are aware, the security of my personal data is paramount, and I believe that the information now included in my credit report may have been compromised as a result of the breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the deletion of any and all negative or erroneous information resulting from the data breach from my credit report. This includes any accounts, inquiries, or other data that were impacted by the breach and are inaccurate or improperly reported. Additionally, in light of the breach, I respectfully request that you conduct a thorough investigation into my credit file to ensure that no fraudulent or incorrect data remains of my credit history. Please confirm the deletion of the impacted information from my credit report within the required 7-day period, and provide me with a written confirmation that the necessary actions have been taken. Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief