vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: KY

Complaint narrative:
MOHELA recently reported on my credit report a XXXX late credit status when my account is already under forbearance. 

MOHELA has also engaged in deceitful practices by not being accessible on a daily basis to customers. They do not follow through with the returning calls. Some days it takes over XXXX hours to reach a customer service agent. This is highly unrealistic for those who work. I have been unsuccessful in reaching this company for the last several months. I finally reached an agent on XX/XX/XXXX. It was then my account was placed on a forbearance. Due to their negligence to there customers, if they have an effective customer service center, I would have place my account on a forbearance the many times I have tried to call over the last several months. 

MOHELA further reported on my credit report that they were unable to reach me. Well they never tried and they never made an easy way to be able to communicate with them in order to resolve any issues with the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts associated with my credit file under the Fair Credit Reporting Act, specifically pursuant to 15 USC 1681c-2 ( a ). I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach.

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 2025-03-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Its impossible to use these cards anywhere, Ive tried multiple times at multiple locations online and in person and have had no success at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/2024, I attended a timeshare presentation with my fianc in XXXX XXXX. They initially asked for both our social security numbers to verify if we qualified for the program. After, we denied joining the membership and any promotions they offered. A few weeks later we both found that the company XXXX XXXX Barclays had opened up a credit card in both our names. I never requested this and worried someone will use my account in fraud.

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX aXXXX XXXX XXXX I Was The Victim Of A Robbery where my phone and wallet was stolen from me and I was admitted to thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and began getting my belongings back together i noticed that i had unathorized charges on my bank account while i was in the XXXX. so I immediately informed chase and let them no the charges were Fraudulent, so after waiting two weeks for my money to be return I called Chase and they told me my claim was denied and to provide documents yet never informed on those exact documents or the reason for the denied claim. The XXXX XXXX was {$3000.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
For the past two months, Resurgent and/or XXXX XXXX XXXX have repeatedly ignored copies of my police report and FTC reports . They have consistently collected on debts that are not mine and are a result of identity theft. I have provided proof and they ignore it. I will provide proof and updated FTC reports here at the advice of a lawyer helping me pro bono, XXXX XXXX, XXXX. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Recently i looked at copy of my credit report and noticed a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these this item for me to ensure occuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The U.S government has allowed unofficial entities to review my credit report and school loan information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: VANDYK MORTGAGE CORPORATION
State: ID

Complaint narrative:
I was pressured into a XXXX loan while homeless. My realtor ( XXXX XXXX ) and lender ( XXXX XXXX of VanDyk Mortgage ) used my vulnerability against me. The sellers stayed during the walkthrough, preventing proper inspection. The VA inspection was delayed until the end of XXXX despite my concerns. I was promised a 2 % interest rate, but was given 2.5 % with no explanation after my credit was pulled twice. Mold was found, repairs were incomplete, and the seller provided false receipts. I was told by my realtor to decide if I wanted to stay homeless. After closing, major issues arose : a failing roof ( should have disqualified VA approval ), broken sewer lines ( pre-existing per neighbors ), electrical fires, mold, mice infestation, and an unlivable environment. I spent all my savings on emergency repairs. I believe this mortgage was fraudulently approved and I am facing default due to violations of VA loan standards and human decency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - {$71000.00} XXXX XXXX {$230.00} {$230.00} XXXX XXXX XXXX XXXX - - XXXX Original Creditor XXXX XXXX  XXXX {$240.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$1300.00} XXXX 15 U.S.C, 1681section 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 an 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - {$71000.00} XXXX XXXX {$230.00} {$230.00} XXXX XXXX XXXX XXXX - - XXXX Original Creditor XXXX XXXX  XXXX {$240.00} - XXXX XXXX Original Creditor XXXX XXXX XXXX {$1300.00} XXXX 15 U.S.C, 1681section 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 an 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NJ

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX has violated my rights.I looked at my TRANS UNION credit report XXXX XX/XX/year> and noticed somethings are incomplete and not accurate, and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
Dear Cash App Customer Support, I am writing you as an aggrieved, indigent man to formally dispute several unauthorized transactions that were made from my Cash App account without my permission or knowledge. These transactions occurred from XX/XX/XXXX until XX/XX/XXXX and involved the transfer of funds to XXXX XXXX XXXX XXXX XXXX. The total amount of these fraudulent transactions is {$20000.00} I request an immediate investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed a number of fraudulent inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( U.S.C. & 1681c-2 ) that you, the Experian 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 the following ; 1. A personal credit card account at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
XXXX. A car loan at XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX. A car loan at XXXX XXXX opened in XX/XX/XXXX XXXX. A utility account at XXXX XXXX XXXX opened in XX/XX/XXXX XXXX. A personal loan at XXXX XXXX HARD INQUIRIES AlXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent credit card accounts and fraudulent hard inquiries appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or hard inquiries as reported. The accounts and hard inquiries appearing on my consumer credit report maintained by you, were not open, made, or initiated by me. The aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the listed consumer credit accounts and hard inquiries are the result of identity theft and fraud.

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 2025-03-30 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: SC

Complaint narrative:
Under consumer law, a valid contract is a fundamental requirement for any legal obligation to exist between parties. If I have not entered into a formal agreement or signed a contract with the company in question, I am not legally bound to any debt they claim I owe. In the absence of a contract, there is no enforceable obligation to make payments, as contracts define the terms, rights, and duties between the parties. Furthermore, consumer protection laws require companies to provide clear evidence of the CONTRACTUAL relationship before they can pursue any claims for debt repayment. I have made multiple attempts with both the corporation XXXX and each of the credit reporting agencies to provide legitimate proof of contract between XXXX and myself , without any valid response. They have continued to report this account without my consent, and continue to change the details of this alleged account each month such as the accounting error which changes the terms from fixed to variable, therefore creating further damages to myself and my ability to access my credit for vital needs. Therefore, without a signed or legally binding agreement, I am not responsible for any debt allegedly owed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: SC

Complaint narrative:
Under consumer law, a valid contract is a fundamental requirement for any legal obligation to exist between parties. If I have not entered into a formal agreement or signed a contract with the company in question, I am not legally bound to any debt they claim I owe. In the absence of a contract, there is no enforceable obligation to make payments, as contracts define the terms, rights, and duties between the parties. Furthermore, consumer protection laws require companies to provide clear evidence of the CONTRACTUAL relationship before they can pursue any claims for debt repayment. I have made multiple attempts with both the corporation XXXX and each of the credit reporting agencies to provide legitimate proof of contract between XXXX and myself , without any valid response. They have continued to report this account without my consent, and continue to change the details of this alleged account each month such as the accounting error which changes the terms from fixed to variable, therefore creating further damages to myself and my ability to access my credit for vital needs. Therefore, without a signed or legally binding agreement, I am not responsible for any debt allegedly owed to the 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 2025-03-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reached out to the company on multiple occasions, to settle this matter the companies have given me a hard time. I sent letters to fix the problem along with my identification. Upon calling I was met with confusion and no assistance requested numerous calls back from supervisors. and I still have not been able to speak with someone. its not going on 60days today date.

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 2025-03-31 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: IL

Complaint narrative:
I am writing to bring to your immediate attention several inaccuracies in my credit report that require urgent resolution. Upon reviewing my report, I identified multiple errors, including accounts I did not authorize, unauthorized inquiries, and inconsistencies in reported balances. These inaccuracies are negatively impacting my financial situation, and I need your assistance in addressing them.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Account is incorrect and the car has been paid off

Company response to consumer: Closed with non-monetary relief