vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-01-14 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: AL

Complaint narrative:
I call each company that was an inquiry on my report I did not recognize. 

Each one could not verify. I call each creditor, XXXX, XXXX and XXXX XXXX. They told me that since the inquiry did not amount to anything that the company has to remove it. So i call each one again, and ask to verify, they could not verify and told me there's nothing they can do. 

My information is also leaked on the dark web, When I file bankruptcy I notice alot of pings on my credit report that someone was trying to apply for a loan using my information. My bankruptcy was discharged in XXXX. I notice alot more when I got my car and I applied for a credit card with capital one. I called each credit bureaus and told them of the fraudulent inquiries and they told me that there is nothing they can do. At the time I had a fraud risk on my account. I have been battling this for almost 2 years now. 

There should be only 4 inquiries on my credit report. 

XXXX XXXX XXXX ( i work here and applied for a loan ) capital one and ( was looking for a car, not financed thru them ) XXXX XXXX XXXX ( car financed from them ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
My credit report contains inaccurate accounts that should not be listed at all. This is both unfair and deeply troubling, as I have never been involved in or authorized any of the activities you're attributing to me. If these discrepancies are not investigated and resolved promptly, I will have no choice but to take legal action.

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 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had savings accounts with Capital One for years before I noticed that some savings accounts were getting 0.8 % or other very low rates versus other savings accounts were getting 5 % or more interest. 

When I called Capital One to complain about this obvious difference, it took them awhile to figure out while different savings accounts ( I have savings accounts for categories like medical expenses, house expenses, etc ) were getting different rates of interest. 

They told me different products even though these are just savings accounts. I had to open new accounts to get current/promoted rates and actually relabeled the old ones Old Low Interest accounts. I thought the whole thing very strange and was irritated about the loss of interest - and that I missed it for awhile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX  XXXX  requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.

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 2025-01-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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 2025-01-14 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 have been disputing an account with XXXX and Transunion regarding XXXX XXXX XXXX, Debt collector for XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's XXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, Transunion, and XXXX XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute an inaccurate bankruptcy entry on my credit report. I have contacted the bankruptcy court, and they provided me with a letter confirming that no such bankruptcy has been reported for me. This incorrect information on my credit report is not only unverified but also illegal. I urge you to immediately investigate this matter and correct my credit report to reflect accurate information. It is deeply concerning that TransUnion is reporting inaccurate information that could significantly impact my creditworthiness. I must emphasize that this erroneous reporting is not only misleading but also potentially damaging to my financial standing. I urge you to rectify this error immediately under the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate this matter promptly and remove the inaccurate bankruptcy entry from my credit report. I expect a swift resolution and confirmation of the correction.

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 2025-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
XXXX XXXX XXXX  EST - I recorded 2 phone calls today with MOHELA staff. The calls were made to the # XXXX for Part 1 ( 30 min.s and 50 sec.s ) & Part 2 ( 6 min.s and 52 sec.s ). I recorded and maintain copies of these recorded calls on off-site, and secure servers, which I pay for through a 3rd part to maintain evidence of my experiences with Mohela. In these 2 calls I spoke to two different rep.s Both treated me like trash. My request was SIMPLE : For them to confirm, verbally, and with records, that the {$500.00} payment I made early on XXXX XXXX, XXXX  was properly applied to my XXXX XXXX, and my XXXX XXXX, payment plan. The 1st 30 min.s I delt with a woman who changed her story multiples times, gave me the run around, lied, and completely refused to be helpful, and seemed to be on a mission to confuse everything she possibly could. It was a nightmare. I finally hung up, while have XXXX XXXX XXXX. Prior to hanging up, I reminded her that she is REQUIRED to apply my payments properly, and that Mohela Corporate had sent me a letter confirming that their staff MUST do this properly. The 2nd woman I talk to claimed that she could see in the system that the 1st agent had submitted a request for the {$500.00} to be REAPPLIED BECAUSE THEY HAD REPEATEDLY FAILED TO PROPERLY APPLY MY PAYMENT DESPITE MY REPEATED REQUESTS. I asked her when Mohela would have the process complete. She clearly stated that she did not know how long that would take, that there was no way to make more payments, nor to get more payments, early payments, or current payment properly applied until they finished trying to fix this current issue. I expressed my frustration, because this has prevented me from bringing my account current for 2 months, which is HARMING MY CREDIT SCORE AND CAUSING ME EXTREME FINANCIAL AND HEALTH DISTRESS. Lastly, she became rude, unprofessional, argumentative, and disrespectful. Then she hung up on me. I CAN NOT EMPHASIZE ENOUGH THAT EVERYTHING THEY HAVE DONE TO ME FOR 2 MONTHS IS, AND CONTINUES TO BE, COMPLETELY ILLEGAL. This is a pattern of behavior lasting many decades with XXXX / XXXX XXXX XXXX XXXX XXXX Mohela. THE CFBP NEEDS TO STRIP MOHELA OF IS RIGHTS TO EVER MANAGE STUDENT LOANS OF ANY TYPE. Lastly, anytime Mohela places a consumer in a payment plan, they have designed their website so that it is IMPOSSIBLE for the consumer to make payment online! Specifically, if a consumer attempts to pay on time, early, or extra, the payment is NOT applied to the payment plan!!!!!!!!!!!!!!!!!!!!! Then, when you call and speak to them, they lie, promise to apply it properly over and over and over again, but they never do it right! This causes the consumer 's account to be forever screwed up, makes one afraid to make any future payments, because they applying them incorrectly, knowingly, intentionally, maliciously, and repeated, and CRIMINALLY!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
I have falling victim of identity theft and have accounts under my name that do not belong to me. i want this matter resolved and these accounts removed and deleted from my report on Transunion. 

Kindly remove these accounts they do not belong to me. Please help me please delete these accounts XXXX  Account Number : XXXX Total amount : {$360.00} XXXX  Account Number : XXXX Total amount : {$170000.00} XXXX XXXX  Account Number : XXXX Total amount : {$22000.00}

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 2025-01-14 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: OH

Complaint narrative:
Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX  XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
am writing regarding an account with the name " XXXX XXXX '' and account number ending in XXXX. This account was opened on XX/XX/XXXX, with an original balance of {$680.00}. The account is currently listed as a collection account, and the status was updated as of XX/XX/XXXX. As of XX/XX/XXXX, the balance remains at {$680.00}, and it is marked as past due. 

Concerns : The account has been reported as a collection account with no payments or adjustments made since its opening in XX/XX/XXXX. 
The payment history shows a " C '' for collections each month from XX/XX/XXXX through XX/XX/XXXX, with no indication of partial payments or attempts at settlement. 
There has been no communication from the company about resolving the outstanding balance, and I have not received any offers for payment arrangements or settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Have been calling me every single day at around XXXX. I block the number every time and they somehow call from another one a few hours later. Idk what they want, why they keep calling, or how they even got my number ( it's new btw ).

Company response to consumer: Closed with non-monetary relief