vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/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 explanation
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-04-11 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: TX

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NM

Complaint narrative:
I was approached by what I figured was a scam. He was sending me money to add a section of his products to my business entity. The funds were put on hold by the financial institution and I was requested to pay a fee in order to accept the payment. When I explained to them this is improper financial practices I was threatened with legal action for declining to pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CO

Complaint narrative:
My student loan account number is XXXX and all of my loans are being managed by Mohela, XXXX XXXX of Federal Student Loans. 

The attached document titled " XXXX '' is a summary of where my student loans were at in XXXX of XXXX. To my knowledge, nothing changed with loans from XX/XX/XXXX until XX/XX/XXXX. At that time I owed approximately $ XXXX on my student loans serviced by Mohela. 

On XX/XX/XXXX for my account managed by Mohela, it is documented that a {$60000.00} check was received from Colorado XXXX  XXXX XXXX XXXX and XXXX, paid to myself and Mohela. I had endorsed the check before sending it to Mohela by mail. My total loan balance indicated on the website for my account was {$69000.00}. Confirmation of receipt of the payment not documented on their actual website when looking into my account until XXXX of XXXX. I submitted a complaint through the Fed Loans website and Mohela on XX/XX/XXXX. Please see the response to the complaint attached titled " XXXX ''. The response to each complaint I made was the identical when I made a complaint on XX/XX/XXXX. There is no response to complaints filed on XX/XX/XXXX and XX/XX/XXXX. The response is not congruent with what is currently reflected on the website. 

In the meantime, I have remained in forbearance, not receiving credit for the last four months of XXXX XXXX XXXX XXXX and my loans may or may not be collecting interest. I have called Mohela at least twice a month for over three months and there are unacceptable wait times of four hours or more. 

While I agree with total balance owed in the response to my complaints at {$16000.00}, I have been urged to complete a new application for income driven repayment. I am not going to arrange that while Mohela is not applying the total balance to my loans. 
{$48.00} was paid to interest and they refunded {$52000.00} on XX/XX/XXXX. Please see attachment titled " Account History. '' While the procedure published on both Mohela and Fed Loans indicates that payments would be first applied to unsubsidized loans and then subsidized loans if there are any remaining, that is not what occurred, instead my two oldest loans were paid off, one of them subsidized and one of them unsubsidized. Please see attachments titled " All XXXX XXXX '', " XXXX '', and " XXXX ''. 

Today, I called and waited on hold with Mohela for XXXX minutes. When I explained the issue to the Mohela representative, she said she needed to send me to a different department. At approximately XXXX XXXX, there was a 7 hour wait to speak with someone and the lines close at XXXX XXXX  ( XXXX XXXX  ), indicating that my efforts to wait on hold were not productive today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion

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 2025-04-11 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$1300.00} Date Opened : XX/XX/year> Under XXXX XXXX Code XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
My employer sent a check worth a little over {$1500.00} to Mohela. The check was sent XX/XX/year> and Mohela has not posted the payment and can not find the check. I have called numerous times and they still haven't provided any resolution.I have provided them the check number and account number listed on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
these accounts are fraud XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
these accounts are fraud XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX # XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received a targeted email solicitation from Citizens Bank offering a {$400.00} bonus if I make a single deposit of {$10000.00} or more in new money to your personal XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX and maintain the savings balance through XX/XX/XXXX ( see attached ). I called Citizens Bank customer service XX/XX/XXXX to enroll in this offer and I was told to deposit {$10000.00} with new money ( not on deposit with Citizens Bank ) by XX/XX/XXXX I reduced my balance on XXXX XXXX XXXX from {$200.00} to {$5.00} by transferring {$190.00} to my XXXX XXXX XXXX ( keeping {$200.00} required by the Citizens Bank to avoid monthly maintenance fee ). The next day, XX/XX/XXXX, I deposited {$10000.00} via XXXX to my personal XXXX XXXX XXXX ending in XXXX to have balance in excess of {$10000.00} as per offer explained to me by the Citizens Bank customer service representative during the phone call on XX/XX/XXXX. I kept the {$10000.00} practically interest free till XX/XX/XXXX. I complied with the terms of the offer as I was told my Citizens Bank customer service representative on XX/XX/XXXX. The Citizens bank did not pay full {$400.00} bonus. I called the Citizens Bank XXXX XXXX XXXX and discussed it with a calling center XXXX XXXX. XXXX told me that the full bonus was not paid because the deposit came XXXX earlier on XX/XX/XXXX. Citizens bank had held my money ( {$10000.00} ) a day longer and use it as a reason not to pay full {$400.00} bonus. XXXX was not helpful and had no authority to credit anything money-wise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
creditor checking my credit profile without my consent with information from XXXX  parties and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
creditor checking my credit profile without my consent with information from XXXX  parties and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX at XXXX I purchased a buy 1 get 1 free XXXX  that included free XXXX upgrade. I had several issues with XXXX site after checking out. I purchased an XXXX XXXX XXXX XXXX room for two which was {$130.00} each plus taxes & fees which were {$130.00} per person and express pass {$62.00} per XXXX. When I checked out my confirmation receipt stated {$1700.00}. I called customer service immediately because my total was supposed to be under {$700.00}. On my pending transaction it showed {$660.00}. Since it was a pending transaction, I was assured it would be corrected prior to final posting. I received a confirmation email showing a total of {$730.00} which had several errors, manly the room charge of the XXXX. Once charge posted to my acct, I contacted XXXX customer service on XX/XX/year> at around XXXX & spoke with XXXX , I explained the situation of the incorrect charges. XXXX consulted with supervisor, XXXX who authorized XXXX to rebook the XXXX at the current XXXX XXXX sale rate which was less than the original sale offer I received on XXXX, at {$110.00} pp,. It took XXXX about 45mins to correct everything, he even corrected my daughterXXXX XXXX  rate, which was incorrectly booked for the same trip also. XXXX stated we would each receive a {$300.00} refund with all the corrections. Before he could conclude his change he stated he had to switch ours rooms because our current rooms were showing occupied but we could call the next morning to switch them back after they were released. XXXX called me back on XX/XX/year> at XXXX to complete the refund transaction. I confirmed with him the refund amount and that it was NOT be a cruise credit. He confirmed the {$300.00} was a refund to my credit card and confirmed the last 4 digits of my credit card. XXXX then sent me two new booking receipts showing the {$300.00} each refund for both myself and my daughter. To date I have yet to receive the refund I was promised in writing on XX/XX/year>. I contacted the company weeks later, requested to speak with a supervisor who never called me back. Also, I submitted a complaint through the company website. I filed a dispute with Capital One, with the refund receipt I received from the company, however my refund still went unprocessed.. 

Reading XXXX XXXX reviews, I have noticed other consumers have had similar issues with refunds promised but never issued. 

I am requesting the refund owed to me of {$300.00}. Please see all proof attached including original receipt from XXXX {$730.00} and new receipt showing {$300.00} refund. 

Please confirm receipt of proof for investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation