vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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 filling a complaint against Cash App ( ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA. ) .Specifically Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I requested a balance transfer from my bank, and it took over 2 months to actually happen, in the process they closed my account.When I called about this, they apologized, and said they closed the account due to my address change, then they reopened it, but they reported this and it showed on my credit report the account was closed. This resulted in my credit score dropping over XXXX points. I have called multiple times trying to resolve this and have them remove the reporting, to no avail.

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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company fail to conduct proper investigation and engaged in unfair practices by not providing clear detail information about why the result of their investigation. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I recent saw the CFPB Experian lawsuit and feel I was negatively impacted, ruining my changes at credit after receiving a response to my early dispute that the accounts were " verified ''.

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE SENT OVER 5 DISPUTES TO EQUIFAX AND THEY HAVE NOT BEEN PROPERLY INVESTIGATED. I AM A VICTIM OF XXXX XXXX AND PER SECTION 605C-XXXX XXXX REQUEST TO BLOCK ADVERSE INFORMATION, THEY HAVE NOT COMPLIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
Demand for immediate removal of unauthorized credit inquiries attached is a letter about improper reporting. I am formally disputing the accuracy and handling of my credit report as per the fair credit reporting act ( FCRA ) also referencing the recent XXXX lawsuit against equifqx that highlighted significant failures to follow proper dispute investigation protocols. These violations demonstrate systemic negligence and the disregard to my consumer rights, which I believe directly affects my case. 

The following items on my credit report are inaccurate and require immediate correction and or deletion : 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 XXXXXXXX Medical Debt Has Been Banned By The CFPB. Please Delete Any Debts Alleged Tied To Medical. The XXXX lawsuit serves as undeniable proof of failures conducted by your company. Time is of the essence. Please acknowledge receipt of this dispute letter and confirm the initiation of your investigation process immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
I am writing to express my frustration and concern regarding the repeated handling of my disputes with your agency. Despite my multiple attempts to have specific information on my credit report properly investigated, my cases are continuously being closed without providing sufficient proof or documentation to verify the validity of the debt in question. 

As required by the Fair Credit Reporting Act ( FCRA ), XXXX is obligated to conduct a thorough and reasonable investigation when a consumer disputes an item on their credit report. However, I have yet to receive any validation or proper documentation proving the debt in question belongs to me. Specifically, no contract, signed agreement, or other legally binding evidence has been provided that supports the claims reported on my credit file. 

Details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I am requesting a proper investigation into this matter and full validation of the debt as required by law. If you can not provide the necessary documentation showing the debt is valid and legally belongs to me, I am demanding its immediate removal from my credit report. 

Please note that repeated failure to address my dispute properly is a violation of my consumer rights under the FCRA. If this matter is not handled appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Enclosed are copies of any prior correspondence I have sent, as well as my previous dispute submissions for your reference. 

I expect a detailed response and confirmation of your findings within 30 days of receipt of this letter, as stipulated by law. Should you require additional information from me, please contact me at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 

Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report XXXX XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
Experian is showing a account on my report that is not updated right my XXXX  account my account # is XXXX XXXX and XXXX have my balance updated right but Experian is not doing there job Experian has a balance of XXXX dollars and XXXX and XXXX has my right balance of XXXX XXXX in XXXX dollars Experian need to update my balance right and they need to do it immediately and they want show me verification for my account first XXXX XXXX account number XXXX I dispute this account 2 times I never had this account in my Life they need to delete that account asap

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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Account Number : XXXX Dear Experian Dispute Department, I am writing to dispute an inaccuracy I have identified in my XXXX credit report concerning the account listed under XXXX XXXX XXXX with the account number XXXX. 

Upon reviewing the account details, I noticed the following discrepancies : XXXX. Charge-Off Date Inconsistency : The payment history section indicates charge-offs in both XX/XX/XXXX and XX/XX/XXXX. A charge-off should be reported only once, and this dual reporting creates confusion and inaccurately portrays my payment history. 
XXXX. XXXX and XXXX XXXX : The account reflects a balance of {$5000.00} as of XX/XX/XXXX, yet the payment of {$170.00} on XX/XX/XXXX, is shown. The payment should have reduced the balance, and the reported balance does not align with the recorded payment activity. 
XXXX. Recent Payment Accuracy : The recent payment date of XX/XX/XXXX, seems inconsistent with the charge-off status, which would typically indicate no further payments are applied post-charge-off. 

I am requesting that XXXX investigate these inaccuracies, validate the information with the creditor, and promptly correct or remove the erroneous data. Attached to this letter, you will find a copy of my credit report with the disputed items highlighted for your convenience. 

Please provide a written response detailing the results of your investigation. Should you require additional information, feel free to contact me at ( XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your immediate attention to 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 2025-01-21 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:
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 Dear Experian Dispute Department, I am writing to dispute an inaccuracy I have identified in my XXXX credit report concerning the account listed under XXXX XXXX XXXX with the account number XXXX. 

Upon reviewing the account details, I noticed the following discrepancies : XXXX. Charge-Off Date Inconsistency : The payment history section indicates charge-offs in both XX/XX/XXXX and XX/XX/XXXX. A charge-off should be reported only once, and this dual reporting creates confusion and inaccurately portrays my payment history. 
2. Balance and Payment Reporting : The account reflects a balance of {$5000.00} as of XX/XX/XXXX, yet the payment of {$170.00} on XX/XX/XXXX, is shown. The payment should have reduced the balance, and the reported balance does not align with the recorded payment activity. 
XXXX. Recent Payment Accuracy : The recent payment date of XX/XX/XXXX, seems inconsistent with the charge-off status, which would typically indicate no further payments are applied post-charge-off. 

I am requesting that XXXX investigate these inaccuracies, validate the information with the creditor, and promptly correct or remove the erroneous data. Attached to this letter, you will find a copy of my credit report with the disputed items highlighted for your convenience. 

Please provide a written response detailing the results of your investigation. Should you require additional information, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
Prior to the Biden administration departing, there was a law signed into the constitution that states collections agencies can not report medical collections to your credit bureau making it hard for you to obtain loans mortgage etc. I notified all three credit bureau in which I filed disputes requesting that this information be removed. I haven't heard back any of them, but I have noticed my credit scores decreased by XXXX or more points.This is an unfair credit reporting issue which violated my rights under the FCRA. I believe this was direct retaliation for submitting the disputes. Please help me resolve this as I'm doing everything I can do to bring my scores back up to buy a home in the spring and this is negatively impacting me as an XXXX. 
Thank you.

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 2025-01-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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 2025-01-21 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief