vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security XXXX XXXX, a resident XXXX XXXX, XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of a scam and Identity Theft this all happen in XX/XX/XXXX when I got a call on my cell phone it read XXXX I answer it the man on the line told me that their was activated on my account, been am XXXX XXXX XXXX I was scare to the best of me, he said his name was XXXX don't worry we will fix the problem, so been in the scare positions I was, I give him assess to my laptop and he went into my XXXX  acct, then he ask me if I had other bank acct s I said yes, am still nervous and shaking on the other end of my computer looking at what he doing so now he getting into my pal pal account and my b & a account were now he changing my passwords and user name, he made a credit card purchase of XXXX on pay pal and a XXXX on my bank of America acct using diff account names and account numbers to get the money out. Now am saying to myself he doing to much to clear the problem so I tell him to stop what your doing your do to much he tell be don't worry and I told XXXX stop now, I start pulling in the account to try to stop him but it was to late, Fortunately I call XXXX XXXX and they reveres the XXXX no problem nothing happen on my XXXX acct but the XXXX he got opening a XXXX acct using my info but he use other Email XXXX  I have had b & a Research they deny my Request on XX/XX/XXXX and I ask for a evaluation and that was deny on XX/XX/XXXX their saying that I let this person do what he did and am give him permission to do it, I told them it was Identity Theft and senior Abuse.so their going to take the money out of acct on XXXX XXXX as per the letter they sent me dated 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 2025-03-17 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: PA

Complaint narrative:
My account was placed in forbarence due to IDR suspension of processing applications and the loan servicer XXXX reported to the credit bureau I was 90-119 days delinquent when I was not. The servicer has said they do not handle remarks made on the credit report however they failed to report that my account is in a forbarece status. This caused my credit score to drop over XXXX points. They refuse to revise their reporting to the bureau.

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 2025-03-17 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Lowe 's ( Synchrony Bank ) is charging me for " Payment Security XXXX '' which is some sort of insurance that I never asked for or authorized. They refuse to allow me to file a dispute and are forcing me fight to get proof how it was authorized or approved by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my XX/XX/XXXX, the remaining balance on my Synchrony/CareCredit statement credit card went up from {$1400.00} to {$4400.00} ( Interest charge {$3100.00} ). I did not notice until later, XX/XX/XXXX. When I called to inquire, I was told I was on an introductory offer, and should have gotten an email informing me, but I do not recall receiving an email. I closed the credit card, but feel I have unfairly been charged such a high amount of interest. Ive had the account since, I believe, XX/XX/XXXX if not later. I am retired and this would be a hardship with my retirement fixed pension. The card was open for XXXX  work for my son and me.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: HI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : XXXXXXXX XXXX both Account Number : Open/XXXX XXXX XXXX   ( 11 mos Disputed Item ( s ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that Equifax/TransUnion immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute.

Thank you for your immediate attention to this urgent matter. 
Sincerely, [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, unauthorized transactions were made on my account at citi bank ( debit card ). The fraudulent transactions are of a total of {$4000.00}. The transactions were made on gambling sites ( never used them and never will ) and car parts ( I don't own a car nor a driving license ). However it is clear that I did not make these transactions, citi bank refuses to refund me. This is outrageous. I have clearly not made these transactions and it's citi bank 's responsability to protect it's consumers from data theft. My information has been STOLEN. I want to get refunded but the bank refuses.

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Mohelas Negligence and Credit Score Impact To Whom It May Concern, I am filing this complaint due to Mohelas negligence, which has resulted in a XXXX drop in my credit score. For the past XXXX weeks, I have made repeated attempts to contact Mohela, calling two to three times per week. Each time, I have been placed on hold for three to four hours, only to be disconnected without speaking to a representative. I have phone records documenting these attempts. 

Additionally, I have lost access to my online account and have been unable to reset my password. The system states that my email is not recognized, despite the fact that Mohela continues to send communications to this same email address.

Mohela initially advised me to apply for an Income-Driven Repayment ( IDR ) plan, under which automatic payments were supposed to be withdrawn from my bank account. However, I soon began receiving letters stating that no payments had been made. This triggered my ongoing attempts to contact Mohela to resolve the issue. Despite my persistent efforts, I have been unable to reach anyone for assistance, and as a result, my credit score has suffered significantly.

This situation is completely unacceptable. I have never had a low credit score in my life, and the fact that Mohelas failure to manage my loan properly has caused this drastic drop is outrageous. I am requesting immediate action to : 1. Restore my online account access.

2. Correct any errors related to my loan repayment.

3. Reverse any negative impact on my credit score caused by Mohelas mismanagement.

I expect a prompt resolution to this matter, as my financial standing has been unfairly damaged due to Mohelas negligence. Please investigate this issue and provide me with a timely response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: DE

Complaint narrative:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont know why. I review my report regularly, but this time, I noticed discrepancies that hadnt been there before. I attempted to refresh my browser, hoping it was just a temporary glitch, but the incorrect accounts remained. Due to this, I am requesting a careful review of the documents Ive provided so that this issue can be resolved permanently.

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 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX rear, XXXX, FL XXXX XXXX DOB : XX/XX/year> Dear Experian, XXXX XXXX XXXX, XXXX, TX XXXX Re XXXX Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I know these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I request to please delete all the late payments on the following closed accounts immediately. This information is incorrect ; the payments were never late. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Please remove XXXX late payments XXXX  XXXX Account XXXX Date opened : XXXX XXXX Balance : {$620.00} Status : closed Please remove XXXX late payments XXXX XXXX Date opened : XXXX XXXX Account number : XXXX Balance : {$3900.00} Status : Account charged off Please remove XXXX late payments XXXX XXXXXXXX Account number : XXXX Date opened : XXXX XXXX XXXX : {$430.00} Status : closed

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 2025-03-17 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am currently on administrative forbearance. On XX/XX/2025, my total loan balance was {$170000.00}. On XX/XX/2025, my total loan balance is {$180000.00}. No explanation was given as to why the balance went up, with {$0.00} due on my loans. My Aidvantage account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 ) 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX 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 XXXX  XXXX XXXX {$150.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$110.00} Open Date XX/XX/XXXX XXXX  XXXX BANK Balance {$560.00} Open Date XX/XX/XXXX XXXX VT XXXX {$130.00} Open Date XXXX XXXX, XXXX XXXX LOANS Balance {$540.00} Open Date XX/XX/XXXX XXXX XXXX  MANAGEM Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX ADJUST Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$130.00} XXXX Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX 2019

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