vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry and account on my credit report.Please dispute and remove listed fraudulent inquiry and account from my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
XXXX. I XXXX XXXX am a student at XXXX. When I enrolled there was a Fed Sub Loan for {$1700.00} and Fed Unsub Load for {$1000.00}. I canceled the loan and was sent a bill by Mohela for {$2700.00} including interest. 
XXXX. I made a payment of {$2700.00} as part of Outstanding Loan Balance to Mohela on XX/XX/year>. However the school XXXX also reversed or canceled the loan on XX/XX/XXXX and returned the amount back to Mohela.So Mohela got itself double payed. 
XXXX. I immediately reached out to Mohela on XX/XX/XXXX to have the payment refunded for the overpayment amount of {$2700.00}. I was wrongly informed by Mohela Representative that it will be refunded within 90 days and I should wait. End of XXXX I reached again and I was told by Mohela Representative that there was no information of refund and no refund was never requested contrary to what was mentioned on XXXX beginning.I forced her to have a Refund issued and got a Refund Number = XXXX and Escalation Number = XXXX. Still nothing happened until XXXX XXXX XXXX ( XXXX  ). Emails sent asking for information got a generic reply of 90 days from that point onwards. 
XXXX. Today I called Mohela again as soon as XXXX. After a 3 hr wait, I reached a live person. The Representative took all information and said she will transfer to her supervisor and in the process of transfer the call dropped. I called again and this time too after 3+ hours reached another live person who mentioned the same thing and before I deny being transferred to supervisor, she went ahead. The automated message mentioned I have to enter a call back number and when I waited it dropped. Third time i called and this time I entered a call back number and the supervisor came back end of the day. The supervisor took the same information again and gave the same information of 90 days processing from today which again I know is false information.The Supervisor mentioned it is End of the Day and as Accounting Department needs to be reached it can be only done next week and that I will get some reply. At this point I will take it with a pinch of salt but I have no choice. 
When the payment was made XX/XX/year>, money was taken immediately. However to get back the overpayment I have to run pillar to post and I know there will be no interest paid on illegally held money. 
I am raising this complaint formally to CFPB against Mohela. Please help me resolve this issue and assist in getting back the money from Mohela. 

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 2025-04-26 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: KY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX * XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$3100.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$430.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * XXXX - XX/XX/XXXX - {$470.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$470.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX  - XXXX * * * * XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  * * * * XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXX * * * * XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00} XXXX  XXXX  - XXXX * * * * XXXX - XX/XX/XXXX - {$260.00} XXXX  XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$260.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$920.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$920.00} INQUIRIES : 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

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 2025-04-25 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-25 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: CA

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 2025-04-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
Morgan Stanley Private Bank taken MONTHS to unrestrict my account. Ultimately, I'm fed up with them and told them to close my account. Of course, they haven't. I want my account closed, my money back, and this institution to be disciplined if possible under CFPB 's protocol. 

Thank you and appreciate the CFPB for trying to help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
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 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : mortgage loan account opened at XXXX on XX/XX/year> mortgage loan account opened at XXXX XXXX on XX/XX/year> on mortgage loan account opened at XXXX on XX/XX/year> mortgage loan account opened at XXXX XXXX on XX/XX/year> mortgage loan account opened at XXXX on XX/XX/year> mortgage loan account opened at XXXX XXXX on XX/XX/year>, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I use to have the paper money feature that cash app provided. For no reason they cancelled this feature. And will not let me get the feature again. Only telling me they don't know why the feature was taken and the app decides if I can get the feature. The app is controlled by some person. They never told me why it was taken or why I can't get it again. I stay in a area where there is no way for me to add money to my account. This paper money feature was the only way I can add money. With this feature gone I have to go out my way to load money onto my card. I have been requesting this feature for a year. Still no one responds and tell me why It was taken from me or why I can't get it again. I believe that cash app is being XXXX towards me for this reason. And doing so it has put a dent in my business. I have a small business that I started on my own. Cash app is purposely doing things to my account not mess my business up. It takes me 10 min of buffering before I can send anyone any money. I believe cash app is doing this also on purpose to disrupt my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I paid my Nelnet student loans on XX/XX/year>. After checking my credit score, I see that SINCE the EXACT DAY I paid my student loans and 4 days after, Nelnet marked my account as a Delinquent account. When seeing the provided evidence, you can see that I paid it off on XX/XX/XXXX. I wasnt received any emails or warnings about paying it off either. I would like this report taken off and my credit revered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} 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 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

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 2025-04-25 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC
State: FL

Complaint narrative:
On XX/XX/XXXX we received a letter from our County Tax Office stating that the previous year 's taxes were delinquent and our title/deed would be sold if these remained unpaid. We thought this was a scam because we have always paid our mortgage on time and our taxes were paid through escrow. I called the County tax department directly first thing on XX/XX/XXXX, who proceeded to inform me that not only was the letter legit, but also that we owed XXXX & XXXX taxes. We were shocked. 

Immediately, I contacted Movement Mortgage. We were on the phone for over XXXX minutes explaining what we had been told by our county and trying to send them a copy of our county letter through a document transfer site that they use but continued to fail to upload ( according to the representative this was a common problem ). They gave me an SLA of 30 days to resolve. When you are at risk of losing your home and have a young family and through no fault of your own, 30 days is simply not acceptable. I asked that this be escalated and made priority given the urgency and to please call me back same day with an update. No one called me so I called them in the afternoon again. I got passed around between escrow department, tax department, customer service/experience etc. No one wanted to take responsibility and everyone blamed each other. Over an hour of being on the phone, I insisted on speaking to a senior leader. It was then that they assigned me a Customer Support Executive to handle my case. 

Upon investigation, Movement Mortgage realized that they made a critical error and omitted a parcel number since XXXX which has made the escrow analysis incorrect since. This mistake has resulted in ~ $ XXXX of delinquent property taxes for XXXX & XXXX and a shortfall for XXXX resulting in an additional $ XXXX a month to my mortgage payment ( excluding the $ XXXX shortfall ). In additional to the financial impact, this has had added significant emotional stress and reputational/credit damage. 

We have always paid our mortgage on time and made all the payments as per our contractual obligations. However, Movement Mortgage has been negligent and failed its duty of care to us. If for not receiving the letter from our County Tax Department, we would not have realized their oversight. Movement Mortgage is refusing to take responsibility for their negligence and lack of duty of care and just expecting us to pay 3 years ' worth of property taxes to catch up, which resulted from their mistake, without taking accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief