vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account. 

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting. 

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA. 

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account. 

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting. 

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA. 

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 dispute the following hard inquiries on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX  under the belief that their advertised graduation rates, job placement success, and post-graduation salary expectations were accurate. XXXX falsely claimed that a high percentage of graduates secured jobs in their field with competitive salaries and that the university provided meaningful career placement assistance. These claims were a significant factor in my decision to enroll and take on substantial student loan debt. However, these promises were misleading. XXXX was later proven in court to have falsified this information, and my experience reflects this deception. The school did not provide the career assistance they advertised, and I did not receive the job opportunities or salary expectations they promised. Furthermore, the tuition was significantly higher than comparable institutions, making the financial burden even greater. I am filing this complaint with the Consumer Financial Protection Bureau to seek accountability for these deceptive practices and request any available relief for the financial harm caused by XXXX fraudulent misrepresentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Capital One due to inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Capital One 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. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

On a recent occasion, I contacted Capital One regarding a {$25.00} payment that I made on time. The agent I spoke with confirmed that he saw the payment. However, he removed my new XXXX XXXX account and used my old account, which has been closed since 2023, without my authorization. When I asked for clarification, the agent was unable to provide satisfactory answers. He assured me that the {$25.00} payment would be waived, yet I was still charged interest despite making the payment on time which also dropped my credit score significantly! This indicates an issue on their end, not mine. 

I am extremely disappointed with the handling of my account and the lack of transparency and accountability demonstrated by Capital One. I request that the interest charges be reversed and that appropriate measures be taken to ensure such errors do not occur in the future. 

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

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

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my transunion credit report:1. XXXX XXXX Account Number:XXXX, Opened XX/XX/year>. 2. XXXX Account Number:XXXX.

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

Complaint narrative:
Im writing to notify you that a tradeline on my credit report is not being reported with maximum possible accuracy, which is a direct violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you regarding a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is a clear violation of my rights, and I am demanding its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you regarding a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is a clear violation of my rights, and I am demanding its immediate removal from 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 explanation
Consumer complaint received 2025-02-08 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: OH

Complaint narrative:
I have been disputing accounts between all 3 major credit bureaus. Some of the time and investigation is never even completed, just states there was one and was settled the very next day after disputing, stating information is correct. This makes no sense because, for example, I have disputed main accounts for credit cards with invalid information and had that account removed, however the collection account associated with that account that also has inaccurate information gets left!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OH

Complaint narrative:
I have been disputing accounts between all 3 major credit bureaus. Some of the time and investigation is never even completed, just states there was one and was settled the very next day after disputing, stating information is correct. This makes no sense because, for example, I have disputed main accounts for credit cards with invalid information and had that account removed, however the collection account associated with that account that also has inaccurate information gets left!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I request that EQUIFAX and EXPERIAN remove or delete from my consumer report file TEXAS ATTORNEY GENERAL-CHILD SUPPORT Acct # XXXX XXXXXXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. Equifax Consumer Agency did remove the information but less than a week later they placed the item back on my consumer file. The CFPB complaint number XXXX, regarding the matter. 
I have come to realize that I am a victim of Equifax ignoring consumer documents and evidence submitted with disputes, allowing previously deleted inaccuracies to be reinserted into credit reports, and providing confusing and conflicting letters to consumers about the results of its investigations Experian used flawed software code which led to inaccurate consumer credit scores and Experian for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: HI

Complaint narrative:
I request that EQUIFAX and EXPERIAN remove or delete from my consumer report file TEXAS ATTORNEY GENERAL-CHILD SUPPORT Acct # XXXX XXXXXXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. Equifax Consumer Agency did remove the information but less than a week later they placed the item back on my consumer file. The CFPB complaint number XXXX, regarding the matter. 
I have come to realize that I am a victim of Equifax ignoring consumer documents and evidence submitted with disputes, allowing previously deleted inaccuracies to be reinserted into credit reports, and providing confusing and conflicting letters to consumers about the results of its investigations Experian used flawed software code which led to inaccurate consumer credit scores and Experian for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Complaint, QWR, DVR and demand for disclosure under TILA who is the owner of the obligation who paid value for the debt. 
I demand respond from the human being, not from artificial intelligence programmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who sends me illegal and perhaps criminal runaround in response to my complaints On XXXX XXXX XXXX  XXXX generated an official Tax statement where XXXX  robots said that my alleged principal is {$120000.00} and during 2024 it was XXXX {$0.00} paid for property taxes. 

In XXXX XXXX billing statements my alleged principal is {$14.00}, XXXX and {$230.00} was paid for property taxes and insurance. The actual escrow payment is {$91.00} XXXX This tax statement did not mentioned over {$350000.00} profits generated from servicing advances paid by unknown to me parties and received to unknown to me parties although these profits must be applied to my alleged principal I demand to provide me direct contact information for the accountant/ bookkeeper who is responsible for this tax statement and who has personal knowledge about all transactions and amounts allegedly due as well as about {$350000.00} profits from servicing advances between XXXX

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

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. Unauthorized XXXX and XXXX accounts have been opened in my name without my knowledge or consent. Below are the details of the fraudulent activity. 
I first became aware of this fraudulent activity in XX/XX/year> when I checked my credit report.I did not authorize these accounts, nor have I benefited from any services provided by XXXX or XXXX. 
I request that XXXX and XXXX remove any fraudulent accounts from my name, correct any inaccuracies on my credit report, and confirm in writing that I am not responsible for any charges. I also request that all collection activities related to these accounts cease immediately. 

Collection : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. Unauthorized XXXX and XXXX accounts have been opened in my name without my knowledge or consent. Below are the details of the fraudulent activity. 
I first became aware of this fraudulent activity in XX/XX/year> when I checked my credit report.I did not authorize these accounts, nor have I benefited from any services provided by XXXX or XXXX. 
I request that XXXX and XXXX remove any fraudulent accounts from my name, correct any inaccuracies on my credit report, and confirm in writing that I am not responsible for any charges. I also request that all collection activities related to these accounts cease immediately. 

Collection : 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

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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