vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
What happened is simple. 
I have 3 loans. They are all owned/processed by " Mohela ''. 
I completely paid off one and I have almost finished paying off another. 
The outstanding balance on the final one is like {$10000.00}. 
When I completely paid off one last year, I accidentally overpaid. 
I overpaid by {$600.00}. 
That happened 6-7 months ago. 
I contacted them and got all kinds of bad information at first. 
They said they would apply it to my other loans. 
They didn't. They couldn't apparently. 
When a month went by and nothing was applied to my other loans, I reached out again. Some other representative at Mohela told me they'd cut me a check as a refund. He told me they couldn't actually apply the overpayment to my other loans. 
They told me it might take 90 days for me to receive my check. 
90 days came and went. I never received it. 
It's been over 6 months now. Still haven't gotten my money back. 
And you can't reach these damned people. I called today and they said the wait time was 4 hours to talk to a person. 
This is a legitimate business? 
They are crooks. Absolute crooks. 
They are holding onto a substantial sum of money they have absolutely no right to. 
They are thieves, no different from any common criminal out there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Bankruptcy reporting in my account should be remove as it is inaccurate representation! This is against the FCRA! I have been disputing this for almost a year now and yet no result from XXXX! This is against the law!

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Requested the missed payments and accuracy of the account be adjusted due to the fact the account was charged off AND closed almost 7 years ago. Company then changed the status to open, registering XXXX missed payments on my credit report because now it's tracking past the date of closure sinking my payment history, obviously did not adjust the closure date, charge off date, payment history and retaliated my dispute by adding XXXX missed payments to it. Absolutely horrendous reply. They updated payment history to keep the account open past the fall of date, last payment says XXXX of XXXX when I have not had contact with any debt XXXX, discover or affiliates since before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> our account was hacked. We have been communicating with an executive at Chase/jp Morgan bank since we were hacked. The executive communications have been threatening to my wife, and will not let us have access to either our checking or savings accounts. We have been borrowing money from friends and family and have exhausted any other people to borrow from. Now today we have XXXX $ left to live on, and our bills will be due next week. What else can we do? We are desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NM

Complaint narrative:
My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received notification that XXXX XXXX opened a credit card in my name with my information that I did not authorize. After contacting them about this credit card and that it was opened fraudulently they did not report this to the credit bureaus that it was fraud or properly investigate and close the account. I now am being harassed with mail and phone calls after repeatedly telling numerous people at citi bank who operates the office depot credit card to close the account. They incorrectly told me that they would revise my report to the credit bureaus which has not been done and they continue to not close my account and continue contacting me.

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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with XXXX. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called XXXX to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX. I called XXXX multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XX/XX/XXXX, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, XXXX had wrongly reported my account as delinquent to the credit bureaus, damaging my XXXX XXXX. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX, XXXX placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. XXXX is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

XXXX has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.

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 2025-02-21 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: TX

Complaint narrative:
On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with XXXX. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called XXXX to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX. I called XXXX multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XX/XX/XXXX, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, XXXX had wrongly reported my account as delinquent to the credit bureaus, damaging my credit score. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX, XXXX placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. XXXX is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

XXXX has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with XXXX. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called XXXX to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX. I called XXXX multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XX/XX/XXXX, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, XXXX had wrongly reported my account as delinquent to the credit bureaus, damaging my XXXX XXXX. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX, XXXX placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. XXXX is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

XXXX has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 inconveniences and financial loss and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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. 
Company : XXXX Account : CAPITAL ONE BANK USA Date : XX/XX/2023 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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

Company response to consumer: Closed with non-monetary relief