vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: AZ

Complaint narrative:
Deceiving borrowers about its XXXX XXXX : The defendants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for successful job placement outcomes and good salaries. In reality, the companies often did not XXXX XXXX for outcomes or value or used unreliable data in doing so. I was not offered some of things that they said would be offered in the XXXX I attended like XXXX XXXX  I basically paid XXXX just to take my XXXX XXXX XXXX and that was it. These programs should be help to a standard if they are gon na take this kind of money from people that are working hard to better themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: TX

Complaint narrative:
There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with XXXX XXXX XXXX. Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 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: EQUIFAX, INC.
State: NV

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a CD account with Capital One. The CD, according to information on Capital Ones website, was due to mature on XX/XX/year>. As the time approached to the maturity date of the CD, I did not receive any notice from Capital One concerning the maturity of this CD and any grace period I would be accorded within which to make a decision concerning what I wanted to do with the CD. I had made a tentative decision that upon the CDs maturity, I would roll it into my savings account ( also with Capital One ). 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the evening, I received an e-mail from Capital One stating that the CD in question had been renewed by me successfully. I did not renew the CD, and played no part in this so called renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: E Mortgage Capital, Inc.
State: NJ

Complaint narrative:
Received a text from XXXX XXXX NMML # XXXX Executive Loan Officer at E Mortgage Capital phoneXXXX. I never applied for anything with this company, never heard of them and he sent a text with my financial information for a personalized mortgage quote. He kept calling and sending texts even after I told him not interested, don't call or send or use any personal information especially sent thru a text. He should not be allowed to do this and send personal info and not contact people who don't want a mortgage. He should be fired!!!! 1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because I believe Affirm Inc. is unfairly impacting my credit by continuing to report a charge-off on my account, even though the debt has been fully paid. 

The account was charged off on XX/XX/XXXX, with a balance of {$110.00}. I made the final payment on XX/XX/XXXX, bringing the balance to {$0.00}. Despite this, the charge-off status remains on my credit report, negatively affecting my credit score.

I understand that a paid charge-off may remain on my credit report for up to seven years. However, I believe it is unfair to maintain this negative mark after I have fulfilled my financial obligation. The continued reporting does not accurately reflect my effort to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-20 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:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00} EXPERIAN INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX INQUIRIES XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/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 2025-02-20 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFA 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 an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under XXXX account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXXXXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
During the pandemic, Wells Fargo Mortgage granted us the opportunity to participate in a COVID-19 forbearance program due to a significant reduction in our income. We utilized the program for 18 months, as it provided critical financial relief during an unprecedented time. However, at the end of the forbearance period, Wells Fargo required documentation to be notarized by every individual listed on the mortgage. Unfortunately, one of the co-signers, who was XXXX with the XXXX XXXX  to XXXX to support sensitive negotiations during the XXXX withdrawal, was unable to provide a notarized signature due to their overseas assignment. Despite our efforts to resolve this issue, Wells Fargo refused to accommodate the unique circumstances and demanded immediate repayment of the forbearance amount in a lump sum. When we were unable to meet this demand, they initiated foreclosure proceedings, forcing us to file for XXXX XXXXXXXX bankruptcy to save our home. 

This situation is particularly distressing given that the home is owned and primarily occupied by a XXXX XXXX XXXX XXXX veteran. It is unjust that we are being penalized due to the unavoidable absence of a co-signer who was serving our country in a high-stakes, sensitive capacity overseas. We urge Wells Fargo to reconsider its decision and work with us to find a fair and equitable resolution. Your assistance in rectifying this matter would not only provide much-needed relief but also demonstrate compassion and support for those who have sacrificed so much for our nation. Thank you for your attention to this urgent 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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-02-20 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:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name :XX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES EXPERIAN :XX/XX/XXXXXX/XX/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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged for 3 transactions on my cap one credit card. I reported fraud & requested a new card. They temporarily credited me & put it in dispute. Then a few weeks later, I was recharged for the 3 charges, & after 10 calls, better XXXX I was told, I made the purchases & I was responsible This is absurd, why should I pay over {$200.00} for products I never ordered or received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/year> I attempted to contact Mr. Cooper Loans regarding an increase in my escrow and to request a review of my Private Mortgage Insurance ( PMI ) based on the increased value of my home. Despite making multiple attempts to reach a representative, I was unable to speak with anyone regarding my specific concerns. 

I placed XXXX separate calls totaling approximately XXXX minutes. Each time, I was continually rerouted by the automated customer service system through the main menu, despite repeatedly requesting to speak to a representative. My issue did not fall within the limited categories provided, and the system did not offer an option to reach a live agent for assistance. 

This process is unhelpful and misleading, as the automated system implies that selecting a category will connect the caller with a representative, yet I was never transferred to a real person. This lack of accessibility prevents customers from properly managing their loans and resolving important financial matters. I request that Mr. Cooper Loans improve their customer service system to allow direct access to representatives for unique or complex mortgage inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: EdFinancial Services
State: ID

Complaint narrative:
I received an interest charged statement for the tax year XXXX. My student loans have been at 0 % since XXXX. I was surprised by this and contacted EdFinancial asking why I had been charged interest. They responded by explaining how interests works. I then pointed out that my loans are at 0 % right now and requested a statement showing what I was charged. They responded with an explanation of how interest is charged including the formula for how to calculate interest. I looked at the payments I have made and found that the entire amounts have been applied to interest and my balances remain the same. I asked for an accounting again and they responded with the formula for how interest is accrued and an explanation of how interest is applied to loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, XXXX and Transunion were all certified mailed a letter in XXXX about incorrect items on my credit report. I specifically gave them all updated current information and to remove all old information. They re-added the old information. This is a violation of the Fair Credit Reporting Act ( FCRA ) as they knowingly maintain inaccurate information on my credit file. I demand immediate and permanent removal of all incorrect personal data. Such as old employers, phone numbers and addresses, as they are no longer valid. I request CFPB intervention to ensure compliance.

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