vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-24 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: GA

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Reported Balance CHARGE_OFF XXXX $ XXXX XXXX  Account information Collection XXXX. 
XXXX XXXX XX/XX/year> Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. 
XX/XX/year> INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crime which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2025-02-24 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: GA

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Reported Balance CHARGE_OFF XXXX $ XXXX XXXX  Account information Collection XXXX. 
XXXX XXXX XX/XX/year> Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. 
XX/XX/year> INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crime which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was scammed and have a police case number and my bank is denying me a refund. How it was through XXXX. I'm out XXXX. Because CHASE won't refund. I've been with them for almost XXXX so much for loyalty. Chase over looking a police case number. The police.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am disputing a late payment inaccurately reported on my credit file for XXXX. I have always made my payments on time, and this late mark is an error that is unfairly affecting my credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my report. I request an immediate investigation into this matter and the removal of the late payment from my record. Please review your records and provide documentation proving the validity of this late payment. If no such evidence exists, I expect prompt correction and written confirmation of the update to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: WI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My claim number XXXX wasnt solve my card was stolen and they withdrew 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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) Invalid Accuracy. 

XXXX ( did not approve of credit check ) XXXX ( did not approve of credit check ) XXXX ( did not approve of credit check )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I don't even know who spring oak are. I never applied for credit with this company. Proof of my signature applying for credit, and information about this, has never been received. They said paperwork has been sent out, but never received. Once received will be taking to police, so I can file identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
This auto loan is supposed to be in my ex husband 's name as it is stated in the divorce papers from New Mexico. And still hasn't been removed from my credit 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 explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
This auto loan is supposed to be in my ex husband 's name as it is stated in the divorce papers from New Mexico. And still hasn't been removed from my credit 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 explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
This auto loan is supposed to be in my ex husband 's name as it is stated in the divorce papers from New Mexico. And still hasn't been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I am writing to formally dispute an entry on my credit report under the code " 6081o, '' which I believe is inaccurate or non-compliant with the Fair Credit Reporting Act ( FCRA ). The specific entry in question does not reflect the correct information, and I request a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: SC

Complaint narrative:
I am writing to formally dispute an entry on my credit report under the code " 6081o, '' which I believe is inaccurate or non-compliant with the Fair Credit Reporting Act ( FCRA ). The specific entry in question does not reflect the correct information, and I request a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to an adequate 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 an 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 ( ETFA ) 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 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Credit Acceptance is reporting to my XXXX and other bureaus unlawfully. I have taken legal actions now because of this. Ive also requested that this account be removed and the company has failed to do. So, this has resulted in a direct dispute to get the CFPB involved to handle this matter. Ive been notified that XXXX has multiple lawsuits against them with people dealing with the same matters such as mine. There is the XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and as well as the direct lawsuit from CFPB 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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Dear Citibank Customer Service, I am writing to formally express my frustration and disappointment regarding the incorrect information provided by your representatives about my credit card account ending in XXXX. 

In XXXX and XXXX, I spoke with Citibank representatives who assured me that I should call back after XX/XX/XXXX to set up a payment arrangement. However, I have now been informed that this advice only applied to my other two credit card accounts, not to the one ending in XXXX. Had I been given the correct information at that time, I would have addressed the issue immediately. 

Today, when I contacted Citibank, I was told that I should have called by XX/XX/XXXX, a detail that was never previously communicated to me. As a result of this miscommunication, my account now reflects a XXXX late payment, which has severely impacted my credit score. I have never made a late payment before, and it is unacceptable that my credit is now damaged due to misinformation provided by your representatives.

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 2025-02-24 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate information on my credit report. I have identified certain entries that appear to be incorrect or misleading and request that they be investigated and removed accordingly. Below is a summary of the situation : Description of the Issue : On [ XX/XX/year> ], I reviewed my credit report from your bureau and noticed a discrepancy. Specifically, there is an entry related to Equifax showing [ incorrect amount, late payment, or other error ]. The information provided by this company does not reflect my information it is the wrong consumer.

Actions Taken : On [ XX/XX/year>, I contacted [ Equifax ] directly to resolve the issue. I explained the situation and provided them with the necessary documentation to support my claim.

I requested a correction or removal of the inaccurate entry from my credit report.

Despite my efforts, no action was taken by the company to rectify the situation or update the information on my credit report.

The incorrect entry was recorded on numerous dates Given that this information is incorrect, I kindly request that the company involved be notified to review and remove the false entry from my credit report.

I trust that your office will take the necessary steps to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I am writing to formally express my frustration and concern regarding the lack of response from Mohela. After multiple attempts to discuss my eligibility for Teacher Loan Forgiveness. Despite following the required procedures and submitting the necessary documentation via fax in early XXXX and I have yet to receive any acknowledgment or response. 

I have attempted to contact your customer service department on multiple occasions through phone calls, emails but my inquiries have gone unanswered. This delay is causing unnecessary stress and uncertainty regarding my student loan status. As a dedicated educator, I rely on accurate and timely communication to ensure I am meeting my obligations while accessing the benefits available to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Once again I am reaching out to resolve the same issue. 
You are over escrowing me on the real estate tax portion of my mortgage. 

Once again I ask you to reanalyze my real estate tax portion. My YEARLY real estate taxes are XXXX FOR THE ENTIRE YEAR. 

You are escrowing this amount for ONLY XXXX  months. 

Please redo the REAL ESTATE TAX PORTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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