vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: FL

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 XXXX 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 XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I am requesting method of verification for my recent dispute. 

Provide method of verification for dispute results The accounts in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Under the FCRA and Metro 2 compliance standards, you are required to ensure that the information furnished is accurate, complete, and verifiable. I request that you provide the following : 1. The specific method used to verify this account. 
2. The name and contact details of the entity that verified this information. 
3. A copy of all documentation or communications received from the data furnisher to validate this account. 
4. Confirmation that the furnisher complied with Metro 2 guidelines, ensuring compliance with e-OSCAR procedures and proper reporting formats.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Heavner, Beyers & Mihlar LLC
State: IL

Complaint narrative:
The current mortgage holder is XXXX XXXX XXXX. She is currently suffering from XXXX XXXX and XXXX. Her current estate and affairs have been assigned 2 guardians, which are XXXX XXXX and XXXX XXXX. Previously as well, they were also the assigned Powers of Attorney. This information was provided to XXXX and an application for modification was sent to the company but never processed. XXXX XXXX XXXX has experienced a severe hardship of her spouse who passed away in XX/XX/XXXX. Her income was reduced by XXXX XXXX. She has applied for a hardship thru her current guardians with no response from the company at all. She has now received a foreclosure notice proceedings,. Their initial letters on XX/XX/XXXX were sent to XXXX XXXX who has been deceased for well over 6 months. 

XXXX XXXX gaurdianship is being preceded over by XXXX XXXX XXXX XXXX for XXXX XXXX At this time we are asking for a stay and assistance and communication from the company to assist with processing the application for a Modification or a reduced to catch up on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
Account was enrolled in autopay on XX/XX/XXXX, autopay was disabled for no reason and late payment reported to bureau without any notification that account was delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The letter pertains to the following accounts listed below : XXXX .... 
XXXX XXXX-Balance {$670.00} XXXXBalance {$5900.00} XXXXBalance {$22000.00} XXXX XXXX Experian is being sued for the exact issue that I'm continually having, not properly investigating and provided incomplete, erroneous information. 


I've contacted Experian, Equifax and Transunion multiple times about the listed accounts. 
-Neither company has provided me with signed disclosures of permission to report or opt out from the " alleged '' Creditors [ ( 15 USC XXXX ( b ) ( a ) ( b ) ] -Neither agency has provided the name/address for company this information was Factually verified. 
-Reporting " XXXX '' repeatedly and illegally re-ages each account and after reviewing each credit report from XXXX and Experian platforms, multiple errors and inconsistent information is report across all bureaus. 
I DEMAND DELETION of each of these accounts. Inaccurate reporting is injuring my credit score, defaming my character, infringing on my right to obtain credit, employment and causing damages to my life. 

Violations : 15 U.S.C. XXXXg 15 U.S.C. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding the handling of a charged-off account with CitiCards CBNA related to account number ending XXXX. The creditor reported this account as charged off on XX/XX/XXXX, but I have not received a 1099-C ( Cancellation of Debt ) as required by the IRS for debts of {$600.00} or more. 

Under IRS regulations, a creditor is required to issue a 1099-C when they cancel or discharge a debt of {$600.00} or more. Since the account was reported as charged off, the creditor appears to have treated the debt as canceled or forgiven. Therefore, I am requesting the following actions : 1.Confirm whether the debt has been canceled or forgiven.

2.If the debt was canceled, provide the required 1099-C form. 
3.If the debt was not canceled, clarify why the account was reported as charged off and provide supporting documentation. 

Failure to issue a 1099-C under these circumstances constitutes non-compliance with IRS regulations . I am requesting that the CFPB investigate this matter and ensure that the creditor follows the proper legal procedures. 

Thank you for your time and assistance. I look forward to a resolution of this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
The car loan account was settled and it is still showing on my credit report that the account is open with a balance. I tried to contact capital one but nothing is being done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
credit file resulting from alleged identity theft. Per FCRA XXXXB ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$210.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6600.00} 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 XXXXXX/XX/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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I'm filling a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vernable and unprotected. Their dispute and resolution process was unfair and deceptive, as they did not comply with the error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused an inconvenience and financial loss, and I seek an appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Class action lawsuit over XX/XX/XXXX data breach A consumer filed a class action lawsuit in XX/XX/XXXX, alleging that Ally Financial failed to protect the PII of 4.2 million customers. The lawsuit claims that Ally and its debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), failed to protect customer information. 

My information was not protected and all of the amounts and payments listed are incorrect. Legally, my information should not be on my credit anyway. I want it taken down. XXXX has already taken it off. Im waiting for XXXX now. XXXX always gives me a hard time and it should have been taken down the first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-11 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: VA

Complaint narrative:
In XXXX ( I was XXXX XXXX XXXX XXXX ) and the Promissary Note stated after XXXX XXXX in repayment the balance of the loan would be forgiven. I am now XXXX XXXX XXXX and I began repayment in XXXX. The payment count is XXXX based on the calculation of payments and student.gov has given credit for XXXX payments and are requiring another XXXX payments ( XXXX total ) to complete loan repayment. The previous administration stated in an email that all payments would be counted towards forgiveness regardless of the payment plan you are in. The goal post has been moved in my case. If XXXX payments are required to have loans forgiven and Ive made XXXX payments in total by their count, I should not have an additional XXXX payments to complete repayment. No one explained that by entering a repayment plan that I would lose XXXX XXXX or repayment and that should have been explained so I could have made a decision based on all of the information. Had I known that information, I would not have entered an XXXX payment plan in XXXX and I would have been complete with loan repayment in XXXX by the terms and conditions of the initial Promissary Note. In addition, FERPA has been violated by the current administration when they allowed XXXX to access my records without permission privacy. This violation of my privacy and FERPA policy should be taken in consideration for loan forgiveness as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: WV

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX FIN # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I wanted to pay for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my order was canceled on the same day. I was told I would not be charged. The reason for the cancellation was that the XXXX in which I was supposed to take the XXXX XXXX. I was charged XXXX on XX/XX/year>. I called the merchant, and he promised to refund it. This, of course, did not happen. I tried resolving this with my bank ( Ally ), but they said the merchant refused to refund. I waited over XXXX XXXX for my bank to say this. I have both screenshots and a voicemail. This is very frustrating.

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 2025-03-11 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: MO

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-11 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Collection XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Collection XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection Inquiries in Dispute : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief