vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I am writing to formally address a significant issue regarding the unauthorized consolidation of my federal student loan and its impact on my eligibility for the XXXX XXXX XXXX XXXX ( XXXX ) program. While I have no issue fulfilling my obligation to repay my loan, I am deeply concerned about the unauthorized actions taken by XXXX XXXX ( now MOHELA ) that have adversely affected my loan terms and PSLF progress. 

Specifically, my XXXX XXXX Loan in the amount of {$24000.00}, originated on XX/XX/XXXX XXXX was consolidated by XXXX XXXX on XX/XX/XXXX, without my consent or knowledge. There is no master promissory note or any documentation in existence that reflects my authorization for this consolidation. As a result of this action, the terms of my loan were altered, including an increase in the interest rate from 2.5 % to 3.5 %. Furthermore, the loan was transferred to a different account on XX/XX/XXXX, again without my approval or awareness. 

This unauthorized consolidation has caused significant harm, including the loss of qualifying payments toward XXXX. I have been making consistent payments under the XXXX program, which should have been counted as qualifying payments. However, due to the unjustified consolidation, these payments were not credited correctly. The only action I took in XX/XX/XXXX2017 was recertifying my income-driven repayment plan, which should not have triggered a consolidation or altered my loan disbursement date. 

Upon discovering this error in XX/XX/XXXX2018, I immediately contacted XXXX XXXX to resolve the issue. Unfortunately, I was informed that the consolidation could not be reversed, nor could my original disbursement date be restored. While XXXX XXXX offered to reduce the new interest rate by XXXX percentage point, this adjustment still left me with a higher rate than my original 2.5 %. Additionally, XXXX XXXX assured me that eligible payments would be credited toward XXXX. However, since the transfer of my loan to a new servicer, these commitments have not been honored. 

To date, I have not received any documentation, including a master promissory note or other supporting materials, that verifies my consent for the consolidation of my loan. This lack of documentation further underscores the unauthorized nature of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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

Complaint narrative:
I am filing this FTC affidavit to report some fraudulent accounts appearing on my consumer FICO credit report which i don't recognize as reported and which are results of identity theft and fraudulent. These fraudulent accounts consist of the following XXXX  XXXX {$8800.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX XXXX {$630.00} XXXX XXXX  {$900.00} XXXX XXXX {$150.00} XXXXXXXX XXXX {$850.00} XXXX XXXX {$910.00} XXXX {$310.00} XXXX {$0.00} XXXXXXXX XXXX {$0.00} XXXX  {$25.00}

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

Complaint narrative:
You are experiencing a missing payment issue with Square, where funds that belong to you have either not been transferred to your account or have been sent to an unknown account. Despite reaching out multiple times, you have been repeatedly transferred between representatives, disconnected, and left without clear answers.

Square initially informed you that an investigation was underway and that you would receive an update within seven days. However, that deadline has passed, and you have not received any resolution or communication regarding the status of your funds.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Social security number XXXX my complaint is that there is XXXX negative item on experian that XXXXdays late it supposed to be removed from my XXXX experian credit report I have a federal trade report on file. And on trans union there is XXXX negative items XXXX are charge off and the other XXXX are past due and also there are XXXX hard credit inquiries that supposed to be removed or blocked I have a federal trade report on file

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX, I see that this account has charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate this account and ensure that correct, fair and complete reporting is given. I don't believe the status of this account is accurate either. 
Delete it due to multiple violations. 
Please be aware that I am keeping a detailed record of all correspondence and actions taken throughout this process. Fallure to respond to this letter or address the mentioned violations within the specified timeframe will leave me with no choice but to proceed with legal action to protect my rights as a consumer. 
I trust that you will take this matter seriously and handle it in a timely and professional manner. I look forward to receiving a satisfactory resolution

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 rapton : 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: 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: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Credit Card : I sent the FTC report and the pin that they told me to send back I haven't heard from them, and it has been over 30 days.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo XXXX XXXX card ending in XXXX. XXXX transactions of {$23.00} I wanted to dispute on XX/XX/year> and XX/XX/year>. I can not do it online so called Wells Fargo. Told them everything and was transferred to dispute analyst. 
But i was told that as part of master card agreement, disputes can only be created in the first 120 days. I don't see this as part of card member agreement or any FYI. 
Moreover representative can not provide me this information. 

I remember few years back, I wanted to have a dispute for XXXX credit card issued by Wells Fargo. Wells Fargo gave me tough time. I need to open CFPB complaint and then it can be done. 

This merchant is not providing any service to me and voided the contract. I have the entire write-up that i have created and providing with this complaint. Already Attorney general of TN is being reached out.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy 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. 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. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 2025-02-20 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: NV

Complaint narrative:
My data was leaked in a data Breach and now 2 addresses have appeared on my credit report without my knowledge I have never lived at either address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX According to the fair credit reporting act Failure to correct or Delete Inaccurate Information, If the information is unverifiable it must be corrected or removed. 
I have attached my Identification, current proof of address and my complaint with the FTC!

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: FL

Complaint narrative:
I disputed an account by XXXX XXXX  serviced by XXXX  because the credit collection agency claim it is my debt which i fact it is not and XXXX continue to make the date that it closed be more current to increase the negative impact on my report. I filed a case with CFPB and XXXX responded with a letter indicating the date that it closed was in XXXX and not XXXX. I disputed it with transunion and provided them with the letter from XXXX XXXX serviced by XXXX and Transunion has closed the dispute and still refuse to update the information. I spoke on the phone with a representative today, XXXX XXXX and they informed me that XXXX did not respond to their verification of the letter and refuse to correct the incorrect information.

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: GA

Complaint narrative:
i was purchasing this vehicle from carmax financing and the dash said XXXX miles but i noticed later when i was trying to trade the car out within the time to swap was up and they told me i couldnt switch car because i was over the required miles by XXXX carmax stated on paper i bought the car at XXXX and by them doing so i was not able to switch to the car i really wanted. they also stated the car was in no accidents but it was broken glass inside the door panel and the paint on the passanger side was not original. i turned the car in and its saying its been repo 'd and it has damaged my credit scored

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 information incorrect
Company: EQUIFAX, INC.
State: UT

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 XXXX : 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 : ACCOUNTS : XXXX  - XXXX LXXXX 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 XXXXXXXX INQUIERES LISTED 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 CREDIT BUREAU 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX XXXX XXXX XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. According to IRS Publication 4681, a charge-off may result in cancellation of debt ( COD ) income, which may imply that the debt was forgiven. If the debt was indeed forgiven, it is inaccurate and misleading for it to continue to be reported as a charge-off on my credit report. By LAW, this account is no longer considered debt, instead is considered income as per IRS laws, this account is reporting inaccurately and must be deleted immediately. 
This means, XXXX XXXX XXXX XXXX received a tax break from this charge-off, which means that XXXX  XXXX XXXX XXXX owes me a 1099C and if I do not receive my 1099C for this debt, I will report XXXX  XXXX XXXX XXXX to the IRS for tax 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: 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX XXXX XXXX XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. According to IRS Publication 4681, a charge-off may result in cancellation of debt ( COD ) income, which may imply that the debt was forgiven. If the debt was indeed forgiven, it is inaccurate and misleading for it to continue to be reported as a charge-off on my credit report. By LAW, this account is no longer considered debt, instead is considered income as per IRS laws, this account is reporting inaccurately and must be deleted immediately. 
This means, XXXX XXXX XXXX XXXX received a tax break from this charge-off, which means that XXXX  XXXX XXXX XXXX owes me a 1099C and if I do not receive my 1099C for this debt, I will report XXXX  XXXX XXXX XXXX to the IRS for tax 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: 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: CA

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 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: CA

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