vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries. I also received a letter which is attached that states that the blocking was approved with my documents that was received. I want these additional accounts removed indefinitely. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX How does XXXX determine 2 accounts fraud and not the 3rd account which was opened on the same day. I want them removed. 
XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX  AccXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
I am writing to express my concern and frustration regarding several issues I have encountered with MOHELA. Despite numerous attempts to resolve these matters, I have yet to receive any satisfactory response or resolution. 
Firstly, I have been unable to reach MOHELA by phone. Each time I call, I am met with excessively long wait times, only to be disconnected or transferred without ever speaking to a representative. This lack of customer support is unacceptable and has caused me significant inconvenience. 
Secondly, my online account with MOHELA was abruptly canceled without any prior notice or explanation. This has left me unable to access my account information, email or manage my account effectively. I rely on the online portal to stay informed, view my payment history and communication with MOHELA via secure email, and its cancellation has been highly disruptive. 
Most concerningly, I have made several payments in 2024 that were not applied to my account as my account was moved to the Department of Education. These payments have not been refunded, and I have no clear understanding of their status. This situation has caused unnecessary financial strain and anxiety. 
I request that these issues be addressed immediately : 1. Provide a reliable and accessible phone support system to ensure that customers can reach a representative without undue delay.

2. Restore my online account or provide a clear explanation for its cancellation, along with instructions on how I can communicate with MOHELA via secure email as telephone calls are not timely answered.

3. Refund the payments made in 2024 that were not applied to my account and provide a detailed account statement reflecting payments applied to my loan balance prior to transferring to Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MS

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX org credit : XXXX XXXX  {$550.00} it's on there twice. XXXX org credit  : XXXX XXXX XXXX {$1300.00} XXXX org credit : XXXX XXXX {$550.00} XXXX org credit : XXXX  XXXX XXXX  {$1300.00} XXXX XXXX XXXX  XXXX org credit : XXXX XXXX {$1000.00} XXXX XXXX  XXXX org credit : XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX charge off XXXX XXXX XXXX  XXXX charge off XXXX XXXX closed XXXX XXXX XXXX closed 15 USC 1681 section 602A : states I have the right to privacy 15 USC 1681 section 604Ab section 2 states that a consumer reporting agency can furnish a account without my written instructions 15 UMC 1681 c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 UMC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or has reasonable cause to believe the information is inaccurate I have also reported identity theft and requested original contracts and have not heard nothing but it's being processed disputes because these accounts I have no idea about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXXXXXX CBE Group Charter communicating XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
The following accounts are not mine and were not authourized XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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 recently rviewed a copy of my credit report and noticed I had fraudulets accouts in my report.Pleace remove these accouts from my report they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
According to these laws 15 U.S. Code XXXXc and 15 U.S. Code XXXXg and 15 U.S. Code XXXX e ( b ) I am protected from the abuse of my rights as a consumer.

Dear LVNV FUNDING LLC/Resurgent Capital Services Account number XXXX, I am writing to formally dispute the validity of the debts associated with the accounts referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following documentation : XXXX. A copy of the forward flow agreement related to the accounts in question. 
XXXX. The chain of assignment agreement for both accounts, demonstrating the transfer of ownership and the legitimacy of the debt. It is my right to request this information, and I expect your prompt response within XXXX  days of receiving this letter.Thank you for your attention to this matter. I look forward to your prompt response. LVNV FUNDING LLC has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with XXXX XXXXXXXX XXXX agency. I have included the validation letter sent to LVNV FUNDING LLC that they never responded back to when delivered by XXXX back in XXXX XXXX  2024. 

Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX has never validated the debt with an agreement of payment. I dont have a contractual agreement with them. I have asked them to validate the debt with a letter and never received a response back from them. Only for them to keep uploading the original debtors information on the account. I am not validating the account with the original debtor. The dispute is that I do not have an agreement with XXXX XXXX collection agency. I have included the validation letter sent to XXXX XXXX that they never responded back to when delivered by XXXX back in XXXX of 2024. Proof of the delivery of the letter by XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX Absolute Recovery Services said I owe them XXXX. When I had no knowledge of this claim. Therefore I would like this claim removed off my credit report. False reporting and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: OH

Complaint narrative:
This is not my student loan account. I have no knowledge of this account. It says it was opened in XXXX of XXXX and I havent been in school since XX/XX/XXXX. The only student loans that were taken out for me were private student loans in my fathers name who passed away XXXX. I didnt even know this was on my credit report until I seen an alert today that my credit score plummeted XXXX points which is detrimental to my score when I have been trying to raise it by XXXX points for the past 5 years.

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 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid off my balance with US Bank for my unsecure line of credit that I have had since the XXXX 's, this was the full payment balance option presented on their mobile app. This was done on XX/XX/XXXX in the amount of {$300.00}, only to get a notice from my XXXX XXXX XXXX that I had a " Balance past due, with the lender being US Bank and a current balance of {$0.00} status of Past due 30 days. I immediately called US Bank and spoke with a representative that confirmed I had my balance paid in full back in XXXX and could not explain why they were showing XXXX in the account, and promised to give the credit back, I mentioned that i saw the XXXX cent and just paid it regardless. But that the 30 days past notice doesn't even reflect XXXX cent. I am not sure where US Bank generated this internally, but clearly it was not part of the payment in full which I paid, regardless I am not going to guess why they have the ghost XXXX cent on their records other than it has to be a bug. She made me feel confident that they will take care of this, unfortunately, I received a letter today dated XX/XX/XXXX stating that " we received your dispute regarding the account referenced above, We reviewed the information and determined that the information submitted to the consumer reporting agency is accurate. There will be no changes to reporting and we are closing this dispute request. '' In my situation, this is adding salt to injury, they are absolutely wasting my time, as I have proof that I paid their balance in full on the date it was paid, because it was an option, alternatively i have snapshot from XXXX XXXX XXXX reflecting a {$0.00} balance though a 30 day late status. I have extremely high morals with my debt and this is proven by my past history, as I have never ever had a 30 day late. US Bank is causing a bad mark on my credit and are ignorant to their responsibility and are negligent by both their initial action and the lack of proper review of this circumstance. If not resolved, I will take further action, by first removing all of my account relationships with US Bank and look to take further actions, legal or otherwise if this act causes me to incur higher costs in terms of interest charges and any negative lending decisions.

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 2025-02-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Account Information Request for Removal Dear Sir/Madam, I am writing to formally dispute the account listed below in my credit report. I have reviewed my credit report and found that the information associated with this account is inaccurate and fraudulent. 

The details of the account in question are as follows : Account Name : XXXX Account Number : XXXX Type of Account : [ Specify account type, e.g., credit card, phone account, etc. ] I believe this account is a result of fraud, and I did not authorize or open this account. Therefore, I am requesting that the account be removed from my credit report, as it is not accurate according to the Fair Credit Reporting Act. 

Please investigate this matter thoroughly and update my credit report to reflect the accurate information. I also request a written confirmation of the resolution of this dispute once completed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved within the required 30-day period, as outlined by the Fair Credit Reporting.

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