vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
Innovis ' negligence and continued retention of fraudulent credit information are severely impacting my finances and personal well-being. I have repeatedly demanded the removal of fraudulent items appearing on my personal credit report. However, there has been absolutely no legal proof provided to substantiate the marks listed on my Innovis report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. These accounts stem from identity theft resulting from the XXXX XXXX XXXX, a crime of which I am a victim. 
The fraudulent accounts listed are : 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 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 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 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 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 ) Frivolous Identifications Used : 1. SSN : XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX 3. Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I have enclosed a copy of my FTC Identity Theft Report to substantiate this claim. Your refusal to delete or block these fraudulent entries constitutes a direct violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Innovis to block and remove fraudulent information upon receipt of a valid identity theft report. Additionally, I have never given permission for any associated entities to report or share any personal information about me. Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6801-6802, I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, either electronically or in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I placed a forbearance on my loans and was told I was supposed to have forbearance according to my income. Due to having low income the payment plan did not apply to my forbearance with navient. So Im apply claim for the settlement that they have going on right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
A new employer was listed for me as being the XXXX XXXX. While I am honored, I have ZERO affiliation with the XXXX XXXX or any military branch. Im a 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 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I received an escrow shortage notice from my new mortgage company on XX/XX/2024 indicating a shortage. I immediately paid this shortage and expected my monthly payment to be the same as indicated on the notice provided. after logging in to my account with freedom mortgage to review that this was applied correctly. It was indicated on the website that there was a new shortage that a letter was not sent out on. I went ahead and paid this payment since it showed that it would reduce the payment to the prior outstanding amount on the previous escrow statement. Now Freedom Mortgage is not honoring this adjustment and states that they cant see this other escrow analysis and it must have been a webpage mistake. HOWEVER i have still paid in twice to get my payment back to what the original payment was when they over took the loan less then 4 months ago. after Mutiple calls and nothing being resolved and no call back it was left with a well go ahead and report it

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 2025-02-01 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: CO

Complaint narrative:
I explained several times that my account had been hacked and that my information was currently on the dark web due to leaked information. 

XXXX XXXX XXXX- {$180.00}, XXXX XXXX XXXX- {$290.00} XXXX {$12000.00} US Department of edu- {$4300.00}

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 explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report ). Upon review, I have identified an error in how this account is being reported. 

Specifically, the balance update date is listed as XX/XX/XXXX, despite the fact that the account was charged off in XX/XX/XXXX and my last payment was on XX/XX/XXXX. If the account was charged off in XXXX, it should not have a balance update as recently as XXXX. This creates an inaccurate and misleading representation of my financial status. 

Additionally, the credit usage is listed at 104 %, which is incorrect given that my credit limit was {$2500.00}, and the balance at charge-off was {$2600.00}. This calculation does not align with standard credit reporting practices. 

I request that Experian conduct a thorough investigation into these discrepancies and either correct or remove the incorrect information from my credit file. Please provide written confirmation of your findings and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.my three accounts with XXXX XXXX XXXX please delete from my 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I recently reviewed my Innovis report and notice that they were reporting accounts that were not mine and are fraudulent I would like to have those accounts removed from my report immediately. XXXX XXXX  account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, XXXX XXXX XXXX XXXX account ending in XXXX, XXXX XXXX XXXX XXXX account ending in XXXX, XXXX XXXX  XXXX XXXX account ending in XXXX, and XXXX XXXX  XXXX XXXX account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
There are ( 2 ) fraudulent hard inquiries on my TRANSUNION credit report. I have filed an Identity Theft report with the FTC. Ive disputed these inquiries with TRANSUNION for the last 90 days. There has been no resolution to have them removed. Im attaching an Identity Theft report in hopes this will finally resolve the fraudulent hard inquiries. The company listed in this report are below. 

XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Removal Of All Inquires Listed Below : XXXX XXXX XXXX  XXXX. XXXX, Approved XX/XX/year> ( 82 Stat. 146 ) Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Transunion Decided to Remove 3 of the 4 Inquiries from FTC Report : 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there is inaccurate addresses and names on my credit report causing decrease in credit score.

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 2025-02-01 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: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX XXXX. I'm asking that this information be corrected or deleted immediately from 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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
am writing to file a complaint against Cash App for withholding my funds without proper justification. On XXXX XXXX. 2024 and, I made a payment through Cash App for a hotel reservation. The transaction was initially delayed, with Cash App holding my money for 810 days. When I finally submitted the hotel receipt to resolve the issue, Cash App informed me that my funds would be held for an additional 30 days. 

This extended hold is unreasonable and unfair, especially since the hotel already confirmed the transaction. The lack of clear communication and transparency from Cash App is causing significant financial hardship, and I am requesting immediate intervention to resolve this matter and release my funds. 

I would appreciate your assistance in holding Cash App accountable for this unreasonably long hold and ensuring the prompt return of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Collection account for {$620.00} Collection account : Jefferson Capital System I do not recollect any legal agreement with this company and this account was reported on my credit as deficient

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report by XXXX. 
I found inconsistent data with my report, such as a phone number ending in XXXX that I did not recognize. 
Most importantly unbeknownst to me was a hard inquiry for a capital one bank credit card with an inquiry date of XX/XX/XXXX. 
The removal date is set to be on XX/XX/XXXX. 
I previously submitted a complaint regarding the same account be closed. The account was closed, however the hard inquiry remained on my report. 
I request the following be investigated and the hard inquiry to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proce 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 50. 
financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Westlake Services, LLC
State: TN

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 2025-02-01 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: MO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on 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