vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: MI

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I'm filing a complaint against Cash App. Cash App closed my account without no explanation. I actually owe cash app money that I borrowed. I always pay back money I owe them. I tried to contact them to explain to me why they closed my account and how will I pay the last installment. There is no way to contact them. My account email is XXXX. I understand thee is a settlement for cash app. I think I deserve to be compensated for my inconvenience because that was the only way I send money to my daughter for my grandbabies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I applied for the SAVE plan at the end of XXXX  XXXX  in 2024. When my loans entered repayment in XX/XX/scrub> 2024, I noticed a large amount of accumulated interest over {$8000.00}. After paying this sum, I was perplexed to notice that my interest continued to accrue at a blazing pace of roughly {$2000.00} per month. This was odd to me as I was under the impression that I, along with many thousands of others, was put into an interest free forbearance when SAVE application processing was halted. I called MOHELA for the first time in Summer 2024 and, after 3 hours on hold, I spoke to a representative who repeatedly told me I wasn't enrolled in the SAVE plan and was unable to answer any of my questions regarding interest.

I continued to pay large sums each month to try to eat into my principal and stop the vicious cycle of ballooning interest, but no matter how many times I called, and how many assurances I received from MOHELA supervisors, the incorrect interest continued to be charged. I asked for assurances in writing, which were promised repeatedly and never sent. I additionally wrote official correspondences to MOHELA asking these questions and received bare bones, unhelpful information as seen in the attached files below.

I spent, with no exaggeration, over 20 hours on hold with MOHELA over the course of the next few months, waiting for the chance to speak with a representative, only to be transferred almost immediately to another 2+ hour hold as the initial representatives are unable to answer any substantive questions about loans or interest. This felt like an intentional way for MOHELA to dodge accountability while not having to invest in a proper customer service system. I am sure I'm not alone in saying that it is near impossible to spend 6 hours on hold on every call when you work a full time job. MOHELA 's callback option would still result in an additional multi-hour hold to speak with a supervisor, and there is no callback option for them. When I finally had the chance to spend a day on hold and was able to speak to a MOHELA supervisor, she advised me that my interest would retroactively be made 0 % and all my overpayments would be returned, but then conveniently never provided the written confirmation of this that she promised during the call. 

Despite all my efforts to contact them to resolve this issue over the phone and in writing, MOHELA has continued to charge me the same interest rate every month since repayment started with no end in sight. I regret not taking screenshots earlier, as I never imagined a loan servicer assigned by the government could operate so incompetently and/or dishonestly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: LA

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 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am sending this asking for your help to file a formal complaint against MIDLAND CRED regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : MIDLAND CRED ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with MIDLAND CRED but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I was hit with a collections on my XXXX credit report back on XX/XX/year> from " WAKEFIELD & ASSOCIATES I '' for a total of {$1800.00}, allegedly originally credited from " XXXX XXXX XXXX XXXX SO ''. I have already once disputed this with XXXX  and it was not resolved the first time ; XXXX  never even gave me a direct reason as to why. It's now shown up on my XXXX report. BOTH TIMES its tanked my credit score over XXXX points respectively, and my XXXX score has yet to recover. I have no medical debt, its NOT MINE. I have already looked into both of these companies and both of them have lawsuits and complaints against them for this very thing. I was never notified of this and only found out when I checked my credit report. Its FRAUD and I am tired of it.. It's damaged my record and severely impacted my credit. This is life damaging, seriously. It's illegal and absurd that this is allowed to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union [ XXXX Subject : Formal Complaint and Request for Remedy Unauthorized Mail Opening & Improper Cash Advance Charges Navy Federal Credit Union XXXX XXXX XXXX Unauthorized Opening of Mail : Despite being clearly addressed to me, XXXX XXXX, my credit card mail was opened by staff at your branch located at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not an isolated event. The opening of personal mail without consent violates XXXX XXXX XXXX XXXX, which prohibits the intentional opening of correspondence not addressed to the recipient. Additionally, aiding or abetting such actions, under California XXXX XXXX XXXX, can carry serious legal consequences. 
XXXX. Improper Use of Merchant Category Code XXXX ( XXXX XXXX ) : Following this incident, I noticed unexplained daily interest charges and what appear to be cash advance fees on my account. I did not authorize or request a cash advance. I was informed these charges relate to payments processed in ERROR through XXXX XXXX XXXX XXXXXXXX A SEPARATE BUSINESS I AM NOT A CUSTOMER OF : XXXX XXXX XXXX categorized under XXXX XXXX. This is especially troubling as I, the cardholder, did not authorize any cash advance, am not in possession of cash, nor is the inmate I was assisting allowed to possess cash under facility rules ( Texas Department XXXX XXXX XXXX XXXX, TX ). Correctional facility approved-XXXX XXXX XXXXXXXX handles tracking and delivery service to my inmate. 
XXXX. Potential Identity Theft Concerns : My credit report also reflects inaccurate personal information, including addresses in XXXX, MO and XXXX XXXX, SCplaces with which I have no affiliation. This further damages my trust in the security of my personal and financial data with your institution. 
Obstruction of Correspondence ''. Federal Statutes and Regulations Relating to the Privacy and Security of MailFederal Law : XXXX XXXX XXXX No, a bank generally can not open an account holder 's mail without authorization. Banks are subject to privacy laws and regulations that protect the confidentiality of their customers ' mail and other communications, according to XXXX. Opening someone's mail without proper authorization is a serious privacy violation and potentially illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXXXXXX XXXXSynchrony XXXX XXXX website would not allow payment via logging in and we made on time beyond minimum payments logging in as a guest. We NEVER received email confirmations of payments despite our bank statements reflections proving transactions successfully sent to XXXX XXXXSynchrony Bank . Their website and paperless communication repeatedly failed. We paid IN FULL our balance well ahead of the deadline. Since then we have been remarkably receiving DAILY text and email harrassing and inappropriate messages we are late in our payments ( paid in full ) in which {$30.00} late fees are being applied to our CLOSED account with information our stellar credit history is being compromised. We have called and spoke to at length to a supervisor at Synchrony who spoke in a very unprofessional, non-problem solving XXXX who had nothing but a I dont care youre a long time great credit card customer. We completely disagree and are victims of a computer generated credit card fee scam. HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

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 2025-04-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX XXXX TX - XXXX List of Unauthorized Inquiries : 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-04-19 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, a fraudulent ATM withdrawal of {$500.00} occurred in XXXX XXXX XXXXXXXX at : XXXX  XXXX NY, using my debit card ending in XXXX. At the time of the transaction, I was in XXXX XXXX, CA, and have never visited XXXX XXXX 

The transaction was posted to my Chase Bank checking account on XX/XX/XXXX. I immediately reported this fraudulent activity to Chase, providing all necessary details and evidence that I did not make the transaction. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S. Code 1693f, I was entitled to provisional credit while the dispute was being investigated. In XX/XX/XXXX, Chase initially provided provisional credit to my account. However, Chase later reversed this credit, leaving me responsible for paying the {$500.00} despite it being fraudulent. 

Instead of properly investigating or providing a fair resolution, Chase continued to demand payment for money I did not owe. When I refused to pay for the fraudulent charge, they wrongfully closed my account on XX/XX/XXXX. This caused significant disruption to my financial activities. 

To make matters worse, Chase reported my account as past due to XXXX  on XX/XX/XXXX, claiming it was more than 120 days delinquent. This error damaged my credit and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). Chases failure to properly investigate the fraudulent transaction, their unjust reversal of provisional credit, and the wrongful closure of my account have caused me significant emotional distress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> I purchased a one-way travel itinerary on travel agency departing on XX/XX/year> from XXXX, XXXX to final destination XXXX, Florida, USA through connection in XXXX XXXX  XXXX ( XXXX XXXX ) . The total cost for this purchase was {$600.00} On XX/XX/year> I received notification from XXXX that the initial flight from XXXX, XXXX to XXXX XXXX  XXXX ( XXXX ) was cancelled and rescheduled for the next date for departure on XX/XX/year>. 

When I reviewed the updated itinerary on the airline website, I noticed that the flight from XXXX, XXXX to XXXX XXXX  XXXX ( XXXX  ) was changed to XX/XX/year> date but the connecting flight from XXXX XXXX  XXXX ( XXXX ) to XXXX, FL remained on the XX/XX/year> date. 


I reached out to Travel agency who refused to provide refund after cancellation of original itinerary. 

According to US Department of Transportation Aviation Consumer Protection, all airlines and travel agencies must provide refund if a flight is canceled or significant change to itinerary. 

I reached out to Capital One to file a dispute since I did not receive the services I purchased but they sided with the travel agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
I reviewed my credit report on XX/XX/year> and I noticed several inquiries on my credit report that I have requested to be removed. They are not linked to any open accounts on my profile therefore, I am requesting to have them removed as soon as possible.

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 2025-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation