vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I am writing to formally notify Equifax that I am a victim of the data breach that occurred in 2017. As a result, my personal information was compromised and may be linked to fraudulent accounts or activities.

Under the provisions of 15 USC 1681c-2 ( a ), I am requesting that all accounts mentioned in connection with this breach be blocked and deleted from your records. 
XXXX XXXX {$900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXXXXXX {$180.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX {$110.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX {$11000.00} Account Info Account number XXXX OPEN/CLOSED OPEN Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX {$0.00} Account Info Account number XXXX XXXX CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX  XXXX {$0.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$4800.00} Account Info Account number XXXX XXXX CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$20.00} Account Info Account number XXXX OPEN/CLOSED OPEN XXXX opened XX/XX/XXXX XXXX BANK {$0.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXX {$560.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX  {$800.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXXXXXX XXXX {$1400.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX {$5900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$5900.00} Account Info Account number XXXX OPEN/CLOSED CLOSED Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Cascade CISS Holdings, LLC
State: IN

Complaint narrative:
I have 2 hard inquires on my credit report that I did not authorize and I would like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX has stated the debt is verified but has failed to provide me the information as to how its verified after asking for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
After IDR rollout my 1 student account loan. It states " End of payment term 1 loan account 0 payments remaining '' I have screenshots of all my data fromXXXX. I have been told this means your student loan balance is fully paid off and I owe nothing further ; essentially, your loan is considered " forgiven '' as there is no remaining amount to repay. I have over 25 years of payment on my graduate loan. When I call Dept. of Education they tell me to call my Aidadvantage servicer and when I call Aidadvantage they tell me to all Dept. of Ed.. Loan balance is still showing and no one has contacted me from Aidavantage or Dept. of Ed. about this. I spoke with representative at Dept. of Ed. who indicated I clearly have the years I need for IDR Forgiveness that I should submit it to Ombudsman. Ombudsman site out of order. Aidadvantage say they are just a call center Dept. of Education indicates Aidadvantage are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

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 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
These companies are reporting incorrect inaccurate misleading information, which is income on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank Attn : Credit Dispute Department [ Capital One Correspondence Address ] Subject : Formal Request for Deletion of Paid and Closed Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute and request the removal of the paid and closed account ending in XXXX from my credit report. This account has been fully satisfied, and I am seeking its deletion under the Fair Credit Reporting Act ( FCRA ) as a goodwill request. 

XXXX. Paid and Closed Request for Deletion The above-referenced account has been paid in full and closed, and I am requesting that Capital One remove it from my credit report with all credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Since the account no longer holds any financial obligation, I ask that it be deleted as a courtesy adjustment. 

2. Goodwill Adjustment Consideration While I understand that accurate credit reporting is essential, many financial institutions honor goodwill deletions for accounts that have been paid and closed. As a consumer working to improve my financial profile, I respectfully ask Capital One to consider removing this account as a goodwill gesture. 

XXXX. No Legal Obligation to Report Closed Accounts Under the FCRA, creditors are not required to report closed accounts indefinitely. Since this account is no longer active or delinquent, I am requesting its complete removal to ensure my credit report reflects my current financial responsibility. 

XXXX. Request for Written Confirmation Please provide written confirmation that this account has been removed or an explanation of the actions taken regarding my request. I expect a response within 30 days of receipt of this letter. 

If my request is not granted, please provide a detailed explanation so I may explore further options, including filing disputes with the credit bureaus or submitting a complaint to the FCC Federal Communications Commission Thank you for your time and consideration. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Midland Credit Management XX/XX/2024 {$390.00} Try to set up a payment plan : I have reqested proper doucumention for this date such as : Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1.The amount of debt.

2.The name of the original creditor 3.A detailed explanation of the debt, including any interest, fees, or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
upon checking my credit report on XX/XX/XXXX, I noticed a charge for XXXX reported to my Saks Fifth avenue credit card. i immediately called Saks. i was told i needed to contact fraud department and asked if she could connect me or i needed to call back.. at that point she said she was fraud department ( untrue ). i've called about 10 different occasions and each person gave me tidbits of information and no two agents gave the same info. my card was charged twice in New york on XX/XX/XXXX totalling just under XXXX. I told rep that i was never in New York. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX of last year i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. i've obtained a copy of the trip, no one would accept this information. The card is in my presence, it was never activated and my credit limit before this fraud occurred was only {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
PayPal Inc. offered a Synchrony backed credit card promotional offer of {$50.00} off my purchase during checkout of an online purchase I was making on XX/XX/XXXX. I signed up for the card. The {$50.00} off was not applied at checkout by the merchant. I paid off the amount to satisfy the amount above {$50.00} on XX/XX/XXXX. I did not receive the {$50.00} credit toward my purchase. On XX/XX/XXXX, a late fee was applied to the account. I contacted the Customer Service line on XX/XX/XXXX to request more information. Customer Service explained that I would not receive a {$50.00} credit, but instead {$50.00} Cashback Reward point on the account. I informed them that was not the offer made at signup. All that was offered were apologies. With Customer Service refusing to offer any additional options, I terminated the phone call and the remaining {$50.00} balance + {$29.00} late fee the same day on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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 filed disputes through equifax transuion and experian and two days later they come back verified.I asked them to show me how they investigated no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
i filed disputes through equifax transuion and experian and two days later they come back verified.I asked them to show me how they investigated no response

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I opened an account as a requirement of navy federal to be a co- signer on a mortgage for my daughter. not long after, I was told my account was locked due to suspected fraud. Navy federal made it very difficult, and time consuming, to unlock the account ( a XXXX account ). the process stalled and was forgotten for some time by me, and the account remained locked. I recently remembered and contacted them by phone and was informed I had apparently waited too long. as a result they transferred the the money to the state of NJ, and I now had to go to missingmoney.com to recover the money. I did so but after giving my name and address they showed no record of my XXXX dollars. I called Navy federal back and was told they can't help, and offered no path to recover the money. Navy federal does'nt have it, the state apparently does'nt have it, and as a result I will never have it. I opened that account in good faith, and they, in effect, cheated ne out of it. someone needs to be held accountable for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
Please remove the following from my account XXXX - XX/XX/year> and update my name as my actual name it's not an alias. I also, have attached my FTC report. Please remove as this inaccurate information is hindering my ability to obtain new credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
On XX/XX/year> I sent experian and transunion and equifax my FTC report and ID. i have fraudulent accounts reporting on my consumer report.

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 2025-02-04 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: NC

Complaint narrative:
They reported the same account # twice on my report with two different amounts the same date. Account # XXXX. Please remove in correct information according to the FCRA 15 U.S.C 1681i on the Federal Reporting Act.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They reported the same account # twice on my report with two different amounts the same date. Account # XXXX. Please remove in correct information according to the FCRA 15 U.S.C 1681i on the Federal Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We were charged for a XXXX XXXX policy for {$91.00} to cover XX/XX/year> to XX/XX/year>. We requested a copy of the policy and declaration page because we believe they are charging us for it and created an escrow account but never actually purchased any XXXX XXXX for us in Florida. This is why we want a copy of these XXXX XXXX documents they purchased and charging us for.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
All this time XXXX XXXX keeping money from my transfers and I didnt get my full amount of money transferred also in some transactions XXXX wouldnt except the money being sent to me and had me stressing over that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I closed my account with Bank of America, and as of today XX/XX/XXXX, it has not been closed ; it is still in closing status. For obvious reasons, I have not received my balance from that account.

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 monetary relief