vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 

Account Name : XXXX XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * XXXX * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX * * XXXX * * * * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Inaccurate Credit Reporting and Lack of Proper Notification from MOHELA & XXXX I am filing this complaint regarding the mishandling of my federally-backed student loan account, previously serviced by MOHELA and currently by XXXX 

My concerns include the following : 1. I was never properly notified by MOHELA or XXXX that my loan had been transferred. 

I did not receive any mail, email, or verifiable phone communication about the transfer of my account. This lack of notice prevented me from taking timely action to maintain my account and avoid unnecessary issues. 

2. I was contacted once by phone by XXXX, while under XXXX XXXX XXXX XXXXXXXX. 
I informed them I was unable to engage at that time and requested a follow-up. No further contact or formal written communication followed. 
3. The amount they claim I owe monthly was never discussed, agreed upon, or confirmed with me.

More importantly, that monthly amount is reported differently on each of the three major credit bureaus XXXX XXXX XXXX XXXX showing clear discrepancies and inaccuracies in their data reporting. This directly affects my creditworthiness and creates confusion around the actual terms of my account. 
4. My credit report now shows a delinquency of over 150 days, despite my loan being in deferment at the time of transfer. 
I had a clean payment history with MOHELA prior to this, and I was enrolled in auto-debit. The negative information reported is unjust and inaccurate. 

These actions or lack thereof have caused damage to my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Higher Education Act, which require proper servicing practices and accurate, consistent credit reporting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-17 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
XXXX of XXXX  my purse was taking sitting break with my kids including phone and other personal things inside wallet so it had taken a while to get into certain accounts being the fact that I have a XXXX and you have have same number to access certain things without having actual phone and number I noticed money sent to someone from my chime to theirs when I finally did purchase another phone told chime they denied it and didnt give me none of my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Old : I woke up and my cashapp was stolen. Someone took all my information off and kicked me out. They sent themselves the money I had in my cashapp and then unlinked their bank account. I called cashapp FIVE different times to get access to my account and they couldnt get me back in. They have the worst fraud protection and customer service. One of them told me to try again in two hours. The other told me two days. I waited two days and they finally got me into my account but my money was gone. I requested an investigation be started to get my money back and find the bank info of the person who took it. They told me itll take 10 days. When they replied they said they closed my investigation because I authorized a payment and I didnt! 
New : Since my last complaint my request for a refund had been denied multiple times. I got a response for the company on this website but no resolution. They said my complaint had to do with the previous lawsuit they were in but that deadline was in XXXX and this JUST happened in XXXX! I received an email saying my case wasnt closed but I literally have proof of them closing my case via email and they KEEP closing it. I requested documentation so I can see what made them come to this conclusion and the only thing they gave me was the transaction. NOTHING ELSE! I emailed them this and got NO RESPONSE that I havent done already! They told me to reopen my case. Its been weeks and I have heard nothing from them regarding my case. Im tired of their customer service. Its terrible and their fraud protection is even worse STILL after the lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I made my payment and it is not credited to my account.They want me to do a conference call with my bank. I spoke to my bank and the money was credited to Target almost a week ago. I received a thankyou for making my payment the following day but it does not show up on my balance They isist I do a conference call with my bank. I have had a Target credit card and the same bank for 20 years and have never had this occur.Is this some kind of a new practice? thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Thr month of XXXX my account was hacked someone used my account for an online casino for alot of transactions while I was asleep, when I saw this I called asap to cancel my card. And report the issue. Chase approved the credits that were deposited in my account so they saw it was fraud, this made my account go negative but they denied the funds that were taken out of my account? They obviously saw it was fraud so I'm not sure why they think I am paying back almost XXXX XXXX  and not refunding me the funds that were taken only the funds that were deposited in my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

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 55 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I got a notification on my credit report that only XXXX loan was now in defalt and in collections. I was not contacted to pay this loan or informed it needed to begin being paid. All of my other loans are not due to begin until summer but most are not until XXXX. I contacted them to rectify my late payments that are innaccurate and not reported on my credit report at all until last week yet XXXX and XXXX  day late. I wanted to pay the amount i was due back however they stated i needed to pay the entire loan even when asked to make monthly payments. I checked all of my info on student.gov for my loans and my address is absolutely correct. When i stated this to the department of education the women stated they dont always update us. This was not my fault. I was not contacted and did the appropriate measures to ensure my student loan address was up to date. Not only that my information was illegally accessed by XXXX XXXX which is a direct violation of my rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied online for the Citibank AA credit card that offered ( 1 ) 50,00 Bonus Points if you spend {$2500.00} in the first 3 months of opening the account and ( 2 ) waving the {$99.00} Annual Fee for the first 12 months. I applied for the credit online and was approved. When I received the credit card in the mail, it was the wrong one. I received the XXXX XXXX XXXX and not the Platinum Select MasterCard. I must have applied for the wrong card. I called Citibank as soon as I received the card and the associate helped me switch over to the the correct credit card. I confirmed on the call that I would still receive the bonus miles and the waiver of the annual fee and he confirmed I would. I called Citibank today ( XX/XX/year> ) and was told that the information the associate provided me was incorrect. The bonus miles and annual fee waiver was for new accounts only and this was considered a change in product and a not a new account even though it was a new account. I would like the offer I was original promised to be placed on my account which is the 50,000 Bonus Miles upon spending {$2500.00} in the first 3 months of opening the account and the {$99.00} Annual Fee credited back to my account that was charged.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was never notified that my federal student loan had been transferred to XXXX. I only became aware of the delinquency after checking my credit report on XX/XX/year>. Upon discovering this, I immediately created an account with XXXX and paid the amount due. I did not receive any prior communication regarding the account setup or payment requirements. XXXX  response to my inquiry was generic and did not address my specific concerns. I am requesting a review and correction of the reported late payment, as the delinquency resulted from a lack of notification, not negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was never notified that my federal student loan had been transferred to XXXX. I only became aware of the delinquency after checking my credit report on XX/XX/year>. Upon discovering this, I immediately created an account with XXXX and paid the amount due. I did not receive any prior communication regarding the account setup or payment requirements. XXXX  response to my inquiry was generic and did not address my specific concerns. I am requesting a review and correction of the reported late payment, as the delinquency resulted from a lack of notification, not negligence on my part.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was never notified that my federal student loan had been transferred to XXXX. I only became aware of the delinquency after checking my credit report on XX/XX/year>. Upon discovering this, I immediately created an account with XXXX and paid the amount due. I did not receive any prior communication regarding the account setup or payment requirements. XXXX response to my inquiry was generic and did not address my specific concerns. I am requesting a review and correction of the reported late payment, as the delinquency resulted from a lack of notification, not negligence on my part.

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 2025-04-17 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: IN

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
Individual seller on platform ( XXXX  ) admitted they never shipped the product and used a letter to fake delivery. Platform ( XXXX  ) promised a refund that never arrived. My bank denied the chargeback solely on tracking info that refers to a decoy envelope, not the {$90.00} product ( which I purchased 2 of ). Im requesting the bank review the full evidence.

Date of Purchase : XX/XX/year> Amount : Two orders, one of XXXX, another of XXXX Actions : Dispute filed, XXXX counter dispute, rebuttal filed, rebuttal denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: SC

Complaint narrative:
This incorrect account information is on my credit bureau reports by Global Lending Services. They have not once provided requested information such as the purchase agreement from the original lender, payment records, etc. The reported information is incorrect and having a detrimental effect on my credit score. The bureaus are also reporting incorrect negative information

Company response to consumer: Closed with explanation