vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Back on XX/XX/XXXX, I pulled my credit report and found that Capital One marked my account 30 days late back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When this occurred back then I called Capital One every time and explained that I was either sick by the XXXX ( I actually had XXXX 3 times ) and I was struggling to pay due to missing work. 

Now today ( XX/XX/XXXX ), I called Capital One to ask if they could change the reporting as on time. The only true late payment I had was XXXX of XXXX. That was due to a technical issue with my XXXX payment and my regular employment payment. But since XX/XX/XXXX I have not only been on time but I have paid the loan off nearly 6 months before the maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
There has been numerous time sun authorized purchases where disputes had to be made andcard were close dand account was reissued, and a notice of breach of confidentialty was released

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a Victim of XXXX XXXX / identity theft please block and remove this information from my credit report immediately.

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 2025-02-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Experian, Equifax & Transunion have all failed to fulfil their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian & Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience. They have neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the disputed accounts, as their inaction violates federal law and my rights. These are the accounts/personal information I've marked as inaccurate and are still showing : 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX 5. ) XXXX XXXX 6. ) XXXX XXXX XXXX 7. ) I XXXX XXXX Collections XXXX 8. ) XXXX XXXX XXXX 9. ) 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 2025-02-04 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have been Victim of XXXX XXXX / identity theft accounts were open without my authorization.

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 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I submitted an application to MOHELA to change my repayment plan ( attached ) from SAVE to PAYE on XX/XX/XXXX. I sent in a letter as a supplement ( attached ) to expedite processing. I also called MOHELA on XX/XX/XXXX to confirm that my application was received - XXXX ( Worker ID XXXX ) answered and confirmed they received my IDR PAYE Application. 7 months later on XX/XX/XXXX I received a reply from MOHELA denying my application ( attached ) with the reason : " The version of the form you submitted has expired '' as well as " Your signature was missing. '' Both mine and my spouse 's signatures are on the application, and the expiration of the form occurred because MOHELA did not process my application for 7 months. If my application had been processed in XX/XX/XXXX, I should have been on the PAYE plan prior to the SAVE court injunction, which began in XX/XX/XXXX. The months since XX/XX/XXXX should count towards my PSLF payment count, but I am missing 6 months as XXXX have been put in forced forbearance, since I could not get off of the SAVE plan given that my application was not processed on time. Because of the forced forbearance, these months have not been counted and it has pushed back my forgiveness by 6 months. My PSLF count should be at XXXX/XXXX, which would include XXXX  as I should have been moved to the PAYE plan before the injunction if MOHELA had processed my application on time. 

It is crucial that my application from XXXX is processed, as my tax information submitted at that time allows me to qualify for the PAYE plan. By not processing my application on time, I am barred from the PAYE plan which prevents me from accessing PSLF benefits that would enable me to pay off my student loan debt sooner. It seems that MOHELA 's delay is intentional as it has forced me into a slower repayment plan requiring about {$3000.00} more in monthly payments. 

I currently have 33 payments left until forgiveness, and a 6-month delay pushes this timeline back, threatening my financial plan developed based on following MOHELA 's instructions. I am seeking to have my XX/XX/XXXX application for the PAYE plan processed so that I can be on the PAYE plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I filed for my stimulus in XXXX ( {$1400.00} ) through XXXX XXXX My cashapp card was stolen from me XX/XX/XXXX I went to prison shortly after when I got out in XX/XX/XXXX I filed for taxes again and the company that filed my 1040 form in XXXX told me that I had already received my stimulus that it had been sent to my old cashapp account $ XXXX but cash app won't release my funds no matter what I do to provide I information about me I have tried everything to get my money. They are not being of any help or won't put me in contact with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Ive been working hard to fix my credit, but Experian keeps disregarding crucial legal regulations like 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ) and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

1. ) XXXX XXXX XXXXXXXX [ **** ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 2. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 3. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, ACCOUNT REINSTATED AFTER DELETION 4. ) XXXX XXXXXXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS 5. ) XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, DIDN'T AUTHORIZE THIS TRANSACTION 6. ) XXXX  [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, SQUATTER MOVED IN UNIT AFTER I HAD TURNED IN KEYS AND DAMAGED IT 7. ) XXXX XXXX XXXX [ XXXX ] - INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, ALL EQUIPMENT HAS BEEN RETURNED - SHOULDN'T BE A CHARGE Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of : 1. ) XXXX XXXX XX/XX/XXXX Experian 2. ) XXXX XXXX XXXX XX/XX/XXXX Experian 3. ) XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 4. ) XXXX XXXX XXXX XX/XX/XXXX Experian 5. ) XXXXXXXX XXXX XX/XX/XXXX Experian 6. ) XXXX XXXX XXXX XX/XX/XXXX Experian 7. ) XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian 8. ) XXXX XXXX XXXX XX/XX/XXXX Experian 9. ) XXXX XXXX XX/XX/XXXX Experian 10. ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 11. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 12. ) XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 13. ) XXXX XXXX XXXX  XX/XX/XXXX Experian

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 2025-02-04 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: FactorTrust, Inc.
State: TN

Complaint narrative:
I would like to remove the follow inquiry from my credit report. 



XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ON THE DATE OF XX/XX/year> I did not authorize this company to run a credit report in accordance with fair Dept collection practices act 15 U.S. CODE 1692G XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I do not owe {$6700.00}. I put in notice XX/XX/year>. My roommate took full responsibility for the rental property. So I did not live there at move out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery acting on a fraudulent credit account from XXXX XXXX continues to list the debt on my credit report, even though 1 ) the original debt was disputed with XXXX XXXX as a fraudulent account I never opened from XXXX or XXXX ; 2 ) was opened more than 7 years ago ; and 3 ) is still listed as an uncollected debt on my credit report by Portfolio Recovery ; 4 ) I have requested and never received any proof of debt from either XXXX XXXX, nor Portfolio Recovery ; 5 ) direct disputes with all three credit reporting agencies has not produced any resolution as they continue to report this fraudulent account and fraudulent reporting by Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$26.00} & XXXX XXXX XXXX XXXX XXXX  : {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$26.00} & XXXX XXXX XXXX XXXX XXXX  : {$460.00}

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My information was exposed in a data breach, a lot of attempts were made, cards opened, and passwords were changed, I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 a victim of identity theft, and fraudulent accounts have been opened in my name. These accounts have resulted in several negative actions on my credit report, including hard inquiries and fraudulent collections. I discovered these fraudulent activities in XX/XX/XXXX and reported the matter to the Federal Trade Commission ( FTC ), which has confirmed the identity theft through an official report. 

Below is a summary of the fraudulent activity : XXXX XXXX : A fraudulent account was opened in XX/XX/XXXX. It was discovered in XX/XX/XXXX. The amount defrauded is {$200.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$6300.00}. 
XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$2100.00}. 
XXXX XXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$420.00}. 
XXXX XXXX XXXXXXXX XXXX : A fraudulent account was reported in XX/XX/XXXX, with a total amount of {$280.00}. 
These accounts were opened without my knowledge or consent. I took immediate action by contacting the FTC, which generated an identity theft report under case number XXXX. 

As a result of these fraudulent accounts, my credit report shows numerous fraudulent inquiries and collections that were not initiated by me. I have taken steps to report this identity theft to the FTC, and I am requesting that these fraudulent accounts be 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