vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
This is a follow-up to my previous complaint ( XXXX ). My IDR Application has still not been processed. I have had to call Mohela, waiting on hold for hours each time, every 60 days since XXXX of XX/XX/XXXX to have my forbearance renewed, despite the information provided by the studentaid.gov site stating that I should have been placed on the same forbearance as those enrolled in SAVE after the first 60 days had passed. 

On XX/XX/2024 and again on XX/XX/2024, I received an electronic document from Mohela stating that they had been directed by the Department of Education to place my loans in a general forbearance due to the SAVE litigation. There was no end date for this forbearance given on either letter, and every source I can find indicates that this forbearance is not scheduled to end in the near future. However, the day after the second letter, XX/XX/2024, I received a billing statement, due on XX/XX/2024. 

My most recent forbearance ended on XX/XX/2024, the day before my payment was due according to the statement I received on XX/XX/2024. I have previously waited for hours on hold on the day my forbearance was due to end, only to be told that they can not put me in forbearance again until the current one has already ended, meaning I would have had to call on my payment due date to get a forbearance. This was impossible, however, as my due date was on a Saturday, and I could not attempt to reach anyone until the following Tuesday, due to the federal holiday. 

If Mohela had processed my IDR application within the expected timeframe of 60 days, I would not have had to deal with any of these problems. Because they did not, I have had to deal with a constant source of stress and invested numerous hours in trying to avoid having my loans go into default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX This has been marked as open fraudulently multiple times. 



I request that you investigate these items and correct or remove the inaccurate information from my credit report as required by law. Enclosed are copies of documents supporting my position, including [ list any documents you are including, such as payment receipts, letters from creditors, etc. ] .Please conduct the investigation and notify me of the results. According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter.Thank you for your prompt attention to this matter. I look forward to your response.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 2025-01-29 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: AZ

Complaint narrative:
When reviewing my credit report, I noticed that was attributted payment responsability for an account with XXXX XXXX XXXX ( an installment loan account ) in wish I was never registered as a co-signer or directly involved. This erroneus information negatively impacts my credit score and creates an inaccurate representation of my financial history. Cosumer Reporting Agency have the obligation to ensure that all reported information is accurate and verifiable, I bilieve there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection with me and this account. However i was never involved with or had control over this account, and therefor, I can not be held responsible for any late payment. If there evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MO

Complaint narrative:
TransUnion. Disputed a derogatory account that shows as a medical charge off but I had insurance during that timeframe frame as well as the main hospital having no knowledge of this company or account. XXXX XXXX XXXX in Arizona as well as the charge off and during COVID all medical debts concerning should have been covered 100 percent and this company showed up on credit with incorrect dates no payment agreements no contact no proof of ownership or correct information. I disputed twice and it was removed and placed back on my credit both times. I called directly to TransUnion and told it would be guaranteed to be removed and when it wasnt I called back and was told that agent lied.

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 2025-01-29 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: KY

Complaint narrative:
CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors Demand for Settlement CFPB Complaint Against Equifax I am filing a formal complaint against Equifax for failing to properly investigate my dispute, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax initially responded to my dispute by stating the account was " verified by the furnisher, '' yet the dispute results did not address my actual dispute. I did not dispute the XXXXXXXX XXXX XXXX accountI specifically disputed the debt collector or debt buyer, XXXX XXXX XXXX. However, Equifax deleted the XXXXXXXX XXXX XXXX account while improperly leaving XXXX XXXX XXXX on my credit report. 

My consumer report ( Exhibit A ) clearly shows the account as paid and closed, and XXXX has already deleted XXXX XXXX XXXX ( Exhibit B ). Equifaxs failure to conduct a proper reinvestigation has caused financial harm, including damage to my creditworthiness, emotional distress, and potential loss of financial opportunities.

As a result of Equifaxs negligent and willful noncompliance with the FCRA, I am demanding a settlement of {$3000.00} for damages. I also demand the immediate deletion of XXXX XXXX XXXX from my credit report and full compliance with federal law. If Equifax fails to resolve this matter promptly, I will explore further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-01-29 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: NM

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX  XXXX filed to include past due mortgage arrears. During the bankruptcy received ERMA funds ( assistance due to the COVID ). Judge approved funds and mortgage company was supposed to file order resolving claim. the account should now be current. It is not reflected as current and payments are being held ( unapplied ). The account has also been removed from my credit report. I have contacted the company several times and my bankruptcy attorney has as well. This is absurd as they are violating the fair credit reporting act. We are desperately trying to repair our credit and get back on our feet financially however, SPS is making this extremely difficult. I need this reported accurately and funds applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-01-29 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:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent admistrative proceeding the account is accurate, without providing any evidence of trough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with th necessary proof of investigation.

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 2025-01-29 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
A group of people hack my cash app and stole my money and then they took my information and sold it and hacked my XXXX XXXX account created lots of profiles asking people for money in my name and block me from XXXX XXXX cash app and XXXX purchasing items online through email internet transaction I have screen shot of the group people they are fraud and scammer hackers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
I owed a collection agency, XXXX XXXX also DBA as XXXX XXXX XXXX. I paid them the balance i owed. they wrote me a letter stating that the balance was paid and that they will request any negative information be removed from the credit reporting agencies. i am attaching the letter. It is still showing up on my credit report! Transunion and XXXX are not updating it even though i am showing them the letter. I paid {$3800.00} and expect the company as well as XXXX  and transunion to remove the information as detailed in the agreement between me and the collection agency.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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