vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I met this person on XXXX they were selling a long hair chihuahua I was interested in named XXXX. I contacted the person and we exchanged numbers we stayed in contact every single day till I made my last payment. She told me $XXXX  for the dog & $XXXX  to ship the dog to me. So $XXXX  in total. We had an agreement that Ill put a $XXXX  deposit on her so she could keep her for me & wont sell her to anyone else cause I wasnt in my hometown at the time to receive the dog if it got shipped. Okay so I had my friend send a $XXXX  deposit through a app called XXXX  where you can receive money on. He sent the payment XXXX & the person said that they had received that payment. Last night XXXX I tell the person Im ready to send my last payment . I told her Ill send it through cash app since its quicker, this person lives in CA so thats why I thought the payment wasnt going through cause were in two different states Im in Arkansas she sent me her cash app but it didnt go through . Then she tries to get me to send it through bitcoin on cash app but that didnt work either. I end up making a XXXX XXXX for the first time & connected cash app to it to send the payment , she gives me two different numbers to try neither one send through. She sends me a third number it goes through but shes claiming she never received it & after sending it I received a text from a number saying  XXXX XXXX for your protection your XXXX  payment to XXXX  was returned to your bank account and will be available to you in the next XXXX  hours. Thats literally what the message says. I call XXXX  XXXX  they said they dont even send out text messages that was a scam, to file a report to the police & to contact cash app to try to get my money back cause they see on their end that they clearly accepted the payment. Currently the XXXX  on cash app still says pending, so please help me stop the payment from completing.  She literally stopped texting me after I confronted her. Cash app says I have to wait XXXX days for it to complete then file a dispute, that is very dumb I shouldnt have to wait to to receive my money back please please help me. I have all the messages from day one & the payments she told me to send it to. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and harmful information on my credit report concerning my XXXX XXXX XXXX and XXXX XXXX accounts. Equifax has failed to adhere to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and I demand immediate deletion of these inaccuracies.

Issues with the Reporting of XXXX XXXX XXXX Account : 1. Unexplained Backdated Balance Increase : On XXXX XXXX XXXX, my XXXX XXXXXXXX XXXX account reflected a {$0.00} balance. Subsequently, Equifax updated my credit report to show a balance increase of {$74.00}, backdated between XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This retroactive adjustment is deceptive and misrepresents my financial standing. Such false reporting violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which mandates furnishers to report only accurate and complete information.

I received no prior notification from Equifax regarding this significant change, contravening the FCRAs requirement for consumer notification when adverse actions are taken based on credit report information.

2. Failure to Properly Investigate My Dispute : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to conduct a reasonable investigation upon receiving a consumer dispute. Despite my previous dispute submission regarding this account, Equifax failed to provide any documentation supporting the balance increase or status update. 
The Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for similar failures in handling consumer disputes, highlighting a pattern of non-compliance. 
3. Harm to My Credit Score Due to Negligence : These reporting errors have caused my credit score to drop by XXXX points, adversely affecting my financial standing. Equifax is liable for damages under 15 U.S.C. 1681n and 1681o for willful or negligent FCRA violations. I will be placing a lawsuit against Equifax if deletion not met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My mortgage got sold to them a few years ago. Every year our escrow account has had a shortage ( I get it - taxes and insurance have gone up ) but they can never get it right. They never estimate it correctly or even in the same ball field. This year they raised our mortgage by ungodly amount. {$400.00} more a month. Thats insanity. I dont think thats right. I asked for clarification and help on XXXX. I tried to call multiple times, I sent emails and nothing. I hear nothing but bad about this company ( Mr Cooper ). 

My mortgage was {$1100.00} with Rushmore lender- yes my taxes and insurance have doubled since then, but their math doesnt track and it doesnt line up and I wish they would just let things play out but instead they decided to raise my escrow payment to a ridiculous amount. 
An amount that will cause my mortgage to now be a {$1800.00} a month payment on a XXXX sq ft house with a fixed 2.5- % interest rate.

I feel like we are being robbed blind. They require two months worth of escrow payments in your account most companys only require 1. 
And even if you pay the shortage in full they still raise your mortgage by almost {$200.00}. Its insanity. 
I know everyone is hurting- but I hate this company so much. They didnt even have the decency to email me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been paying on a private loan from Navient with a starting value of a little over XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not get a degree from school. The XXXX closed a couple years later. In present day the loan is now XXXX or more with steady payments I've been making while in school finishing my XXXX XXXX XXXX. The interest rate was at its max 17 % that has decreased to 16 % this year. I've called to ask if loan can be dismissed but the answer was no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative , I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with LexisNexis XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX. 

A request for a permanent security freeze and permanent opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts. 

Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : XXXXXXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX. XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXXXXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXXXXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide validation of this debt. Specifically, I require the following documentation and information to verify the validity of this claim : 1. A detailed payment history : Please provide a comprehensive record of all payments made by me on this account, including dates, amounts, and methods of payment.

2. Original signed agreement : I request a copy of the signed agreement or contract that I allegedly entered into, which legally obligates me to pay this debt.

3. Insurance claims : Please disclose whether any insurance claims have been filed related to this alleged debt and, if so, provide the details.

4. Chain of title : Supply all documentation proving that Midland Credit Management has the legal authority to collect on this debt. This should include evidence of the chain of title, showing how and when the debt was transferred or sold to your company. 
Until these documents are provided, and the debt is validated in accordance with federal law, I ask that all collection activities, including reporting to any credit bureau, cease immediately. 
Please note that failure to comply with this request constitutes a violation of the FDCPA. Should I not receive the requested validation within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, or other applicable authorities. 
I expect your prompt attention to this matter. Please confirm receipt of this request and provide the required documents at the earliest opportunity. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
inaccurate reporting fraud claim files with police department

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 2025-03-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I received a letter from Mohela ( on XX/XX/XXXX ) that the Biden-Harris Administration had forgiven my student loans. My loans were discharged with a XXXX balance on XX/XX/XXXX. I noticed that I had a negative balance on Direct Loans : one for ( which means I overpaid and am due a refund ) : one for {$5300.00} and another for {$1200.00}, for a total of {$6500.00} ). I reached out to Mohela on XXXX by email and called. I received an email from Mohela stating that since Id spoken to someone, I can reach out again with further questions. I was told on that call by a Resolution Specialist that she would reach out to the Accounting Dept. On XX/XX/XXXX, Mohela contacted me about an IDR ( Income Driven Repayment Plan ). I called Mohela again on XX/XX/XXXX, letting them know that I was past the 90-day mark. A second Resolution Specialist said that shed expedite the request ( again ) to the Accounting Department and that I can also file a dispute, since the refund has not been sent to the Department of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
So on XX/XX/XXXX I made a transaction on XXXX XXXX using my chime debit card for my security or safety.It was immediately refunded to me XXXX never accepted the payment They even sent a void request.Or I'm not quite sure.The exact name, but they sent that to chime.So that way, chime would void and give me my money.I still have not gotten my many to this day.They barely started to dispute when I made a dispute 3 days after the XXXXAnd they're just playing games with my measly.XXXX XXXX and i'm not understanding how this is allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative , I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A request for a permanent security freeze and permanent opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts. 

Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : XXXXXXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXXXXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX Dispute Reason : Inaccurate Information I have never held this account. 

I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.

Company response to consumer: Closed with explanation