vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX originally XXXX XXXX XXXX XXXX reported false information by writing off {$19000.00} when it was originally $ XXXX for 60 months after filing a XXXX XXXX XXXX XXXX XXXX  sold the account to Autovest LLC in which you can not contact them by phone and the address is not a real address. I have requested this be removed from my credit report but I was told it takes approximately 30 days. XXXX XXXX is the same company that originally went by the name XXXX XXXX XXXX XXXX checked my credit on XXXX XXXX without my consent. I called XXXX and spoke with someone by the name of XXXX and he stated they could not do anything about inquiries that I will have to contact the company myself. XXXX XXXX XXXX XXXX is operating under the name XXXX XXXX and phone number ( XXXX ) XXXX and address. I attempted to call the company and the phone rings then give a busy signal and the phone hangs up automatically. I have no way of fighting this on my own. XXXX XXXX XXXX XXXX is operating illegally. Please Help me. I have supporting documents for proof. I just found out after investigating further that Autovest LLC is also the same company as XXXX XXXX XXXX and XXXX XXXX XXXX so how was it sold to 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 2025-02-05 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: KY

Complaint narrative:
On XX/XX/2025 I attempted to contact MOHELA regarding my student loan being reported TWICE on my credit report. 
I was unsuccessful in reaching MOHELA. Unfortunately MOHELA has a 3 hour wait time to speak with a customer service agent and they do not respond to email correspondence.

My credit is impacted due to my balance being DOUBLED.

{$56000.00} has been reported TWICE to all 3 credit bureaus, giving me an incorrect total of {$110000.00} being owed. 
This is a significant difference and is damaging to my credit health. 
Please correct immediately. 
I also submitted a dispute with XXXX on XXXX, 2025 with the dispute number : 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 2025-02-05 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am the primary account owner of an Apple Card ( issued by Goldman Sachs Bank ) for about a year and I share the card with my mother, XXXX XXXX. She used the card to rent a car for a week while her car was being repaired. She is elderly, requires XXXX XXXX and found the car to be too big. When attempting to exchange the car for a smaller car, the transaction was flagged as being suspicious. I never received a text, email, phone call or any kind of communication from Goldman informing me that I needed to approve the transaction. After being at the rental car counter for over two hours, my mom called me to tell me that the transaction was declined. I went into my Wallet app and confirmed the transaction, yet my mother and I were told that the card is restricted for 5-7 business days. 

I happen to be an attorney and have been working in Banking Compliance for twenty years and have never seen a situation where a customer confirms a transaction, yet still has no access to the card. My mother needs a car to see her doctor to schedule XXXX XXXX, is in tremendous pain and has been embarrassed by having her card declined. 

I am a XXXX credit card customer and commend XXXX XXXX for sending customers a text at POS and if they confirm the transaction, the restriction is lifted and the card is available for immediate use. If Goldman isnt able to inform its customers real-time and allow its customers to use their card immediately after responding to an alert, then it should not be in the credit card business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am a victim of identity theft and XXXX writing to request your assistance in addressing fraudulent activity on my credit file. To support my claim i have enclosed copies of the following documents : my police report/identity theft report. A copy of my state id & drivers license a copy of my social security card & proof of my current address. The fraudulent on my credit report stems from identity theft which XXXX be related to the XXXX data breach i have also filed a complaint with the federal trade commission to document my identity theft case under section XXXX of the fair credit reporting act ( FCRA ) i am requesting that the following inquiries which i did not authorize be blocked & removed from my credit report immediately these inquiries do not relate to anything that Ive made or have knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is calling me XXXX calls yesterday. They want to speak to " XXXX ''. There is no XXXX here as I have repeatedly told them. They have the wrong number but won't believe me. I keep blocking them, they use another line.

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 2025-02-05 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:
Please See Supporting documents pertaining to Equifax date breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XX/XX/2025 Equifax XXXX Department XXXX : Formal Dispute for removal of inaccurate and unverified information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act XXXX XXXX. & XXXX and request a thorough investigation into these inaccuracies, as required by federal law. Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for failure to properly investigate consumer disputes, citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB, XXXX : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner. 
Please review the Inaccurate information and remove from my report the following XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX of {$1700.00} XXXX the FCRA, you are required to conduct and investigation into my dispute also provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. IF not address I reserve the right to escalate the issues with the CFPB and other appropriate agencies Thank you for looking and correcting this matter I look forward to hearing from you as soon as possible. 


Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-02-05 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: TX

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

The probable cause were to be to remove these things that I disputed on my credit report off of it so I can view my things out These things from my report wasnt me. I just turned XXXX  and I dont know how I have all these things in debt. I was under my moms phone bill, but it said that I owe XXXX  if you can remove all the things that I have disputed off my credit report that would be lovely. Im trying to start my life and start with my credit, but I have these inquiries on there that I have never seen.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened this checking account under the terms of XXXX fees as long as I had 1. a monthly direct deposit of any amount 2. made at least one online bill pay per month I established a monthly direct deposit and set a monthly recurring online bill pay to XXXX XXXX XXXX At some time around XXXX of XXXX Citi changed the account requirements to be a minimum of XXXX XXXX monthly direct deposit. I never accepted the updated terms. Beginning on XXXX XXXX XXXX Citi began deducting a XXXX XXXX monthly service fee to the account. I accessed the account in mid XXXX and found that a total of XXXX of these fees had been deducted. I attempted to close the account but as I did not have a debit card in hand, they told me I had to send a request via USPS. I did that and they returned a letter saying that the request must be notarized. I requested a replacement debit card and succefully had the account closed after the representative reimbursed a 4th {$15.00} fee that had caused the account to have a negative balance. I am due {$45.00} in unauthorized fees.

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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
Harley Davidson Finance is charging me excessive interest on my motorcycle loan. My loan agreement is for XXXX XXXX per annum but they are effectively charging me over XXXX XXXX per annum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am writing to formally dispute fraudulent accounts that have appeared on my credit report due to my information being compromised in a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion and blocking of the following accounts from my credit file : Disputed Accounts : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX Under the federal law referenced above, credit reporting agencies must block and remove fraudulent information resulting from identity theft upon request. These accounts do not belong to me, and I demand their immediate removal from my credit file. 
I have filed an identity theft report with the Federal Trade Commission ( FTC ), and my FTC report number is XXXX. Additionally, I have enclosed copies of my identification, a recent credit report highlighting these accounts, and any supporting documents related to the data breach. 
Please confirm in writing that these accounts have been removed from my credit report within XXXX  days as required by law. If additional information is needed, please contact me at your earliest convenience. 
Thank you for your prompt 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 explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I did not give expressed written consent or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
A former room mate of mine has used my credit without my permission to get accounts. I have completed the dispute paperwork for these accounts. I know there is a lawsuit right now saying that the bureaus are not completing the disputes correctly. I want to make sure my dispute is done properly since I have completed the proper forms.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally request that you update my accounts status with the credit reporting agencies to reflect the full and final settlement of my debt. I settled my accounts with you under the terms of our agreement, and my payments were made on XXXX. However, my credit report has not been updated to reflect this. 

As per the Fair Credit Reporting Act ( FCRA ), creditors and collection agencies are required to report accurate and timely information to the credit bureaus. Since I have fulfilled my obligations under our settlement agreement, I kindly request that you update my account as Settled or Paid as Agreed ( whichever applies ) with the credit bureaus. 

Please provide written confirmation once this update has been submitted. If you require any additional information or documentation, please contact me at your earliest convenience. 

I appreciate your prompt attention to this matter and look forward to your confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify me of dispute outcomes. under the fair credit Act ( FCRA ) Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove the disputed accounts. as Experian inaction violates federal law and my rights as a consumer.

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 2025-02-05 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$170.00} Late/Open XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XXXX Balance Owed : {$140.00} Charged off Inquiries : 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : FactorTrust , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation