vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFBP has I recently found a lawsuit against Experian, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate correction action to remove or amend the dispute accounts. As Experian inaction violates federal law and my rights as a consumer.I recently obtained a copy of my credit report and noticed that Experian was reporting inaccurate information in the personal information section. I have disputed the wrong addresses, phone numbers and employment multiple times for the past 2 years and the problem is not being fixed. To diminish speculation my information is as follows Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX, XXXX XXXX Employer : unemployed Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$280.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I am the victim of the Equifax Data breach that has compromised my social and caused several fraudulent accounts and inquires to be placed on my consumer report. These accounts need to be removed and blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palmar, Inc.
State: GA

Complaint narrative:
Im being sued and billed for a bill that is not mine Ive never had a XXXX XXXX in my name Ive been on my mothers account since I was in high school then I recently got my own account in my name Im 2024 I want this account removed immediately from all reports

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed items that have came back accurate and verified but never received proof with my signature or permission to report anything concerning my credit. 
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XX/XX/year> {$480.00} XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XXXX XX/XX/year> {$2500.00}

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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I filed a request for change of monthly payment per included pay stub in XXXX of XXXX and have not received acknowledgement or completion of processing to date. I have requested updates multiple times without acknowledgement. 

I filed payment plan change request due to the legal challenge on the XXXX payment plan to change my repayment plan from XXXX to XXXX. For background, I did not request change or movement to the XXXX plan nor did I at any point request to be placed in forbearance and had previously been enrolled in XXXX. 

This was filed XXXX XX/XX/XXXX. I contacted Mohela in XXXX via telephone twice to request a status update and was told no information could be provided and no borrowers were allowed to change payment plans. When I challenged this as incorrect information ( XXXX had remained open for processing at this time ), I was hung up on. 

I submitted an additional electronic request for information in XX/XX/XXXX with XXXX subsequent phone calls on various dates and times, utilizing both the traditional hold system ( 3 times ) as well as the 'request call back ' system ( 5 times ). To date, all XXXX requests for a call back were never completed ( including multiple calls in the morning with estimated waits of XXXX ' XXXX hours ) and the only traditional hold que that was answered was promptly disconnected. 

Mohela has failed its duties to its consumers and the American government in servicing of federal student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XX/XX/year> I received a call on my cell phone with the caller ID " Fifth Third Bank '' and their known customer service number of XXXX showing. This is my bank so I answered the call. The caller claimed he was a Fifth Third employee from the fraud department and was calling about suspicious activity on my account relating to a XXXX charge. As my debit card had recently been compromised and I had already been dealing with those disputes and getting a new card issued to me, I did not think this was out of the ordinary. The caller was in touch with me every day from XXXX XXXX  2025 every time claiming he was a Fifth Third employee and every time the call coming through with the Fifth Third caller ID and number showing up. He instructed me to perform XXXX test transactions via XXXX - a request and a payment. The payment did go through for {$1900.00} ; this person assured me he would get the transaction reversed and my accounts re-opened, etc. When I did not receive a response from my communication to him on XX/XX/year>, I assumed it was because of the bank holiday and weekend. When I called Fifth Third today, XX/XX/year> to request a status update, they informed me there were no notes associated with this case and they had no record of any of these phone calls. I explained what I have written here and they stated it was a scam. I requested to file a dispute with the bank and they refused to accept my claim. I believe the bank should accept my dispute claim and refund the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling 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 in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 2025-01-21 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: CA

Complaint narrative:
CFBP has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate correction action to remove or amend the dispute accounts. As XXXX inaction violates federal law and my rights as a consumer.I recently obtained a copy of my credit report and noticed that XXXX was reporting inaccurate information in the personal information section. I have disputed the wrong addresses, phone numbers and employment multiple times for the past XXXX years and the problem is not being fixed. To diminish speculation my information is as follows Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX, XXXX XXXX Employer : XXXX Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate.

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 2025-01-21 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: CA

Complaint narrative:
CFBP has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate correction action to remove or amend the dispute accounts. As XXXX inaction violates federal law and my rights as a consumer.I recently obtained a copy of my credit report and noticed that XXXX was reporting inaccurate information in the personal information section. I have disputed the wrong addresses, phone numbers and employment multiple times for the past XXXX years and the problem is not being fixed. To diminish speculation my information is as follows Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX, XXXX XXXX Employer : XXXX Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My credit information was exposed in a data breach and I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from AmEx stating that because their advertised rate was incorrect I would receive an interest rate of 1 % but I had closed that loan already because the rate was not as advertised. I reapplied and they did not honor that rate on the new loan. I am asking because it was wrong and I should get the 1 % on my new loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had a CD for about 7 years, I closed it Wednesday the XXXX and they stated it was to be 1-3 days for transfer. I only called for a status update but they refused to give any information regardless of the information I provided them because I can not remember a " special password '' I have no memory setting up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have previously submitted a request for verification of this debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I sent a certified letter to FAIR COLLECTIONS & OUTSCOURING INC, and it has been over 30+ days without a response proving that this debt belongs to me. They are in violation of 15 USC 1692. and I would like this removed from my consumer 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/year> I was scammed by a person on cashapp. I sent {$65.00} thinking that I was completing a previous business transaction. Almost immediately after realizing that the person that was requesting the money wasnt the person that I had been previously purchasing a program from, I contacted CashApp customer service through Chat because they did not have telephone services available. CashApp notified me that the transaction that had taken place was out of their hands, and that there was nothing that they could do even though I requested that the account will be Blocked in my funds be returned to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 ( CFPS ). Specifically.Cash App filled to take time and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( ETA ) and regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C ss 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. SS5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian did not properly investigate my disputes.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Account was closed with no information on why it got closed, the address on my account is old and i wasnt able to update my address due to credit karma not accepting my documents, the rep said the address can be updated so i did so and my info was not updated by time the account was fully closed. Its XX/XX/XXXX and I still dont have my money that was in my account th account has been locked from since XX/XX/XXXX and i still dont have access to my money, the account has been closed and im unable to see what the extact amount is but it is around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief