vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction with the response provided by Equifax to the complaint I filed through your portal. Despite receiving a response from Equifax, it has been unsatisfactory and fails to meet the requirements set by the Fair Credit Reporting Act ( FCRA ). In their communication, Equifax did not include conclusive evidence demonstrating that the credit inquiries made under my name were authorized. According to the FCRA, it is expected that the credit reporting agency not only investigates disputes but also provides the necessary documentation to justify the entries reported in credit reports. More than XXXX  days have passed since I submitted my initial dispute, and the investigation process should have concluded with the provision of any relevant evidence. However, this timeframe has been exceeded, and I observe that Equifax has not adhered to the regulations of the FCRA. Therefore, I request the intervention of the CFPB to ensure that Equifax complies with its legal obligations. I demand that evidence justifying the authorization of these inquiries be provided to me, or if it can not be provided, that these entries be immediately removed from my credit report. I appreciate your attention to this important matter and look forward to your prompt response and appropriate corrective actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit is operating in unfair practices to their consumer, with very high fees and interest rates making it impossible to pay off. I opened this account in early XXXX with a credit limit of {$5000.00} my limit was decreased to {$760.00} in XX/XX/XXXX and never received notification of this. This caused me to be over the limit once interest and fees were charged and negatively impacted my credit. I never had a credit card that just lowers the limit at their will. I am being charged {$41.00} a month in late fees, a total of {$270.00} YTD. The payment is made within 5-7 days of the due date. I am on a XXXX  household income and have to wait for my paychecks to come in in order to pay. There should be some sort of grace period with the late fees. Being charged {$41.00} when being 2 days late is insane. I have never been 30 days late and have been making all my payments. This is putting me into a hardship in trying to pay this off due to excessive fees and lowering my credit limit. My current balance is {$760.00} and I have been making payment since XX/XX/XXXX and my balance has not gone down due to excessive fees and interest. I have reached out on a couple of occasions for assistance in getting these waived and their policy only permits waiving XXXX fee.

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 2025-02-10 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: AR

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

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
This is an escalation for my previous CFPB complaint ( ID : XXXX ) MOHELAs interim response is unacceptable. This complaint has been active long enough that additional research should not be necessary. MOHELA has had ample time to provide : A full refund confirmation & XXXX qualifying payment adjustment. 
Written proof that my XXXX status is intact and has not been negatively impacted. 

Immediate processing of my XXXX forgiveness request. 

I am requesting an immediate, substantive response, not a delay tactic. If MOHELA fails to provide real answers, I will escalate this to congressional representatives and additional legal channels. 

I am demanding that MOHELA forgive the remaining balance of my loans and clear the balance completely and remove these loans indefinitely due to the severe mishandling and illegal withdrawal during a federally issued forbearance period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I am filing a dispute against Experian for inaccurately reporting an item on my credit report that is both misleading and incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report, and this error is causing me significant harm. 

XXXX. Timeline of Events : Date of Discovery : I first reviewed my credit report on XX/XX/year> and I noticed that an entry labeled XXXXXXXX XXXX was inaccurately reported. 
Date of Dispute with Experian : I contacted Experian to dispute this information on XX/XX/year>, explaining that the item was incorrect. 

XXXX. Inaccuracy and Impact : The item is inaccurately listed which violates the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which requires accurate and timely information. 
As of today, XX/XX/year>, this inaccurate entry is still present, negatively affecting my credit score and financial opportunities. This is an ongoing issue that has not been resolved through direct communication with Experian. 
XXXX. Action Taken : I provided Experian with all relevant documentation to support my claim I requested Experian to investigate the matter thoroughly and update my credit report with accurate information per the FCRA 's requirements. 
XXXX. Desired Outcome : I request that the inaccurate entry be removed or corrected in accordance with the FCRA and other applicable consumer protection laws. 
I ask that Experian conducts a proper reinvestigation and provides me with the results within the legally mandated XXXXday timeframe under Section XXXX of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX I sent complaints to all XXXX companies For my wet signature on the contract for these credit lines also asking for the XXXX form since they were charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX I sent complaints to all XXXX companies For my wet signature on the contract for these credit lines also asking for the XXXX form since they were charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AL

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 XXXX. **Account Name : ** XXXXXXXX XXXX  LOANS **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Equifax Credit Report Upon reviewing my Equifax credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to the 15 USC XXXXi XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( XXXX ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC XXXX they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was contacted by Aldous and Associates in XX/XX/year> regarding a debt from XXXX XXXX in the amount of {$190.00}. I called Aldous and Associates and arranged for them to withdraw the funds automatically in two equal payments. They withdrew approximately {$98.00} plus a convenience fee of about {$5.00} on XXXX. I received a notification on XXXX from XXXX XXXX that an account was created by Aldous ( without my consent ) and that a balance of {$98.00} was reported to my XXXX account. I called Aldous today and asked why did they report a balance to XXXX and made no attempt to withdraw the remaining balance from my bank account. The representative from Aldous admitted that the person who set up the autopay arrangement did not do so correctly and that she wasn't sure why they reported the balance to XXXX. She offered to send me to a supervisor but no one was available. She said that they would call me in an hour ( they did not ; I had to call them back over an hour later ). I called back about an hour later and spoke to a different representative explaining the situation. This representative said that no supervisor was available and that she was unable to help me. She instructed me to call back again in an hour. No one from Aldous has made any attempt to correct their error despite them admitting fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NC

Complaint narrative:
During the week of XX/XX/XXXX, my personal data was compromised without my authorization. 
The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-10 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 info on my credit report is not me please help me with this fraud I never had these accounts

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Money that was transferred to another account by accident and I was unable to retrieve the money back.

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 2025-02-10 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: FL

Complaint narrative:
I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to show it from my report. 

reditor/Collection Agency Name : 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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FC HoldCo LLC
State: TX

Complaint narrative:
I recently checked my credit report and noticed hard inquiries from [ list the companies, XXXX XXXX, XXXXXXXX XXXX XX/XX/year>. I did not authorize these inquiries, nor did I apply for credit with these companies. 

I believe these inquiries may have been made in error or fraudulently. I request an investigation and the removal of these unauthorized inquiries from my credit report. 

Please provide any information you have regarding these inquiries, including details of the applications submitted. I appreciate your prompt attention to 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 2025-02-10 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
On XXXX NewRez claimed that my financial institution returned my payment of {$1000.00} because of lack of funds and/or a closed account ; however, my financial institution shows no record of these problemsno closed accounts, no lack of funds and no returned payments. NewRez has repeatedly made similar claims despite the lack of record/evidence from my financial institution supporting them. Records show activities on my NewRez account not authorized or initiated by me which NewRez has not explained.

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