vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ( XXXX ) XXXX XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Credit Report Information ( FCRA Section 15 U.S.C. 1681 ) Dear Equifax, I am writing to dispute certain information in my credit report that I believe is inaccurate. This letter is being sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 U.S.C. 1681. 

Details of the Dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Items in Dispute : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX  Amount {$2300.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Amount {$610.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft XXXX XXXX charge off Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Amount {$470.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  Amount {$450.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened date XX/XX/XXXX Amount {$2600.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft XXXX XXXX XXXX Account number XXXX Opened date XX/XX/XXXX Amount {$530.00} - Disputed Information : information you believe is inaccurate - Reason for Dispute : identity theft I request that you investigate these items be removed as soon as possible. According to the FCRA, you are required to complete your investigation within 30 days of receiving this letter. 

Please send me a written response regarding the outcomes of your investigation and provide a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Received an alert from XXXX and XXXX  that a line of credit ( Bank Credit Card ) was open under my name. Credit report stated a hard inquiry from Capital One occurred on XX/XX/year>. I have already submitted a fraud alert and dispute with XXXX  and an investigation is now open with Capital One regarding the credit. I have asked them to close the credit card but the company stated it can only be closed after XXXX days once the investigation is over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has 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 XXXXXXXX XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a 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 if 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: ID

Complaint narrative:
On numerous occasions, I've reached out to both my student loan servicer, XXXX, and the US Dept of Education at studentaid.gov regarding the incorrect payment count towards Public Service Loan Forgiveness. I can demonstrate I have achieved 125 payments ( although I only need 120 ), yet their payment count is still reflecting 114. In response to my request to reconsider/recount, they keep sending me generic letter responses telling me that I have not met the 120 payment count. I have even gone as far as asking to Buyback months during which the imposed federal injunction put a pause on my student loan count ( XXXX XXXX XXXX XXXX XXXX XXXX, but I have yet to receive a response. Not that I needed additional months, but figured this would be another route to approach this. They say their average response time is 90 days, but I submitted the request for Buyback in XX/XX/XXXX and no response. 
In addition to online requests in their system, I've attempted to call numerous times as well, but often encounter a 3 to 5 hour wait. I work full time and am unable to hold that long and keep my job.

I also submitted a request to change from SAVE to an ICR repayment plan back in XX/XX/XXXX. I fathom the idea that as of XX/XX/XXXX, it has not been processed. They automatically placed me into a Standard repayment plan which doesn't count the payments made towards PSLF. 
Dept of Education website and XXXXXXXX XXXX website both reflect different payment amounts due. Additionally, when I called in on the phone, the auto prompts provide me with a third/different monthly payment amount due. There is no consistency and no one ever really seems to know what is going on when you get different reps answering the calls.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
They made me believe that the payment was going to be processed and it was not going to be late if I sent them the copy of original received they requested where the payment was sent and Carrington Mortgage waited until the last minute to resolve my payment issue, which ended up causing my payment to be late for 30 days and lowered my credit score dramatically by XXXX points and the payment was sent on the XXXX of XXXX and they waited until XX/XX/XXXX at XXXX to warn me that if the payment was not given by XXXX in the afternoon it would be 30 days delinquent. I send the payment around XXXX but it was already too late. On XX/XX/XXXX I send the XXXX payment and they rejected because store where I send the money send it as a XXXX and they only accepted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
As outlined for the past 3 complaints to AidVantage, they continue to report my Student Loan late on XXXX  and XXXX. This loan is in forbearance, and therefore should not be noted with a status of " late ''. This breaches FCRA guidelines and statutes. Specifically : Accuracy and Completeness ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers must report information that is accurate and complete. Reporting a loan as " late '' during a forbearance periodwhen payments are officially deferred or suspended by the lendercan violate this if the consumer is complying with the forbearance terms. Forbearance agreements typically pause payment obligations, meaning late payment status should not be reported unless the consumer fails to resume payments as agreed post-forbearance. 

Duty to Investigate Disputes ( 15 U.S.C. 1681s-2 ( b ) ) : If you dispute a late payment reported during forbearance, the furnisher must conduct a reasonable investigation within 30 days. If the investigation confirms the loan was in forbearance and no payment was due, the furnisher must correct or delete the inaccurate late status. You can trigger this by filing a dispute with the credit bureaus, referencing the forbearance agreement as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to provide an update regarding the outstanding debt under the account referenced above. As of XX/XX/XXXX, the current balance on the account is {$0.00}. Up to date, payments totaling paid in full of {$56000.00} have been made, with the most recent payment of {$7200.00} submitted on XXXX XXXX. There is no remaining balance that need to be repaid according to the agreed terms outlined in our arrangement Dated XX/XX/XXXX, with monthly payments of {$940.00} due on the XXXX of each month PLEASE UPDATE ACCOUNT ON CREDIT REPORT ASAP THANK YOU

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to provide an update regarding the outstanding debt under the account referenced above. As of XX/XX/XXXX, the current balance on the account is {$0.00}. Up to date, payments totaling paid in full of {$56000.00} have been made, with the most recent payment of {$7200.00} submitted on XXXX XXXX. There is no remaining balance that need to be repaid according to the agreed terms outlined in our arrangement Dated XX/XX/XXXX, with monthly payments of {$940.00} due on the XXXX of each month PLEASE UPDATE ACCOUNT ON CREDIT REPORT ASAP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 XXXX XXXX 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-05-02 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: OH

Complaint narrative:
I was checking my credit report because of a prepaid credit limit and it showed incorrect information on the email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bull City Financial Solutions, Inc
State: MD

Complaint narrative:
I am submitting this complaint to formally address an issue regarding my repeated and unsuccessful efforts to obtain an itemized breakdown of the charges associated with the debt listed under account number : XXXX. 

On XX/XX/year>, I contacted Bull City Financial to request a detailed, itemized statement of the charges they claim I owe. I was informed that a request had already been submitted on XX/XX/XXXX and was advised to allow up to XXXX month for the information to be delivered. Despite multiple follow-ups, I have yet to receive proper documentation supporting the validity of this debt. 

Here is a summary of my continued attempts to obtain this information : XX/XX/XXXX : I followed up and was told the documents were sent on XX/XX/XXXX. I checked my inbox and spam foldernothing was received. I was told the request would be resent by their back office. 
XX/XX/XXXX : I followed up again and was told to continue waiting. 
XX/XX/XXXX : I was informed a new request had been submitted to their back office team and again told to wait. 
XX/XX/XXXX : I received an email dated XX/XX/XXXX, but it only included a general letter showing the debt total, account number, and addressnot the itemized breakdown I had requested. When I called for clarification, I was told this was not the correct document and that I should receive the proper breakdown within the week. 
XX/XX/XXXX : I followed up once more and was informed a new request had just been submitted to XXXX XXXX. I was again told to wait another 30 days. When I questioned why the breakdown hadnt been provided in the initial 30-day period, the representative could not give a clear explanation. 
XX/XX/XXXX : After waiting another full month, I followed up again and received the same generic letter I had been sent on XX/XX/XXXX. I spoke with both an agent and a manager at Bull City Financial, who admitted that if XXXX XXXX had a final bill or any proof of charges, I would have received itbut they confirmed that no such documentation exists. 

That same day, I contacted XXXX XXXX directly and was informed that they no longer have any records of this account and referred me back to Bull City Financial.

As a consumer, I have a legal right to verify the accuracy and legitimacy of any debt before acknowledging or taking responsibility for it. At this point, both the debt collector and the original creditor have admitted they do not have a final bill or an itemized list of the charges, and yet I am still being asked to accept the debt as valid without any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MI

Complaint narrative:
Inaccurate reporting of balances on accounts that are charged off no 1099 C has been issued to me by any company that has collected insurance.

Addresses that I haven't lived at are showing on my credit report. Accounts that I haven't used or reporting as well.

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 2025-05-01 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: MI

Complaint narrative:
Inaccurate reporting of balances on accounts that are charged off no 1099 C has been issued to me by any company that has collected insurance.

Addresses that I haven't lived at are showing on my credit report. Accounts that I haven't used or reporting as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if 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 non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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:
After disputing XXXX and XXXX XXXX  through their fraud departments, they investigated my claim and still refuse to delete these accounts from Equifax, XXXX, Transunion and XXXX, even after submitting a police report which clearly shows charges on these cards were a result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Lost my job due to XXXX XXXX XXXXn XXXX. Called on XX/XX/XXXX to ask if they had an assistance program for those of us out of work still because now XXXX running low on funds, they said yes and gave me a phone number to call before my next bill would come due and to call a few days before its due so it has time to process. Tried to do that, and was told they stopped helping people in XXXX. Why did they give me the number on XX/XX/XXXX then? Why is it so hard to find info about the wildfire relief? Whats the big secret? I am still on unemployment from the wildfires in XXXX and dont understand how no one had any of this info to tell me on the phone when I called in XXXX. It feels secretive, like you were hoping to not actually help any of your loyal customers. Youre the only credit card company to put such a short, secretive limit on receiving the wildfire assistance. Everyone else, including my car loan servicer, has a wildfire program in place that was easy to get info about. I literally had to pull teeth to get info about this from you guys and its still not even clear. Even a search on XXXX is limited. I have never missed or been late on a payment with BofA and it feels dirty and sneaky. I had enough money saved to get me by for a couple months but now that I need the assistance, apparently I cant get it. I was lied to on XX/XX/XXXX that there was assistance to be utilized still, and I know XXXX got the phone calls recorded that you can review to prove it. Because, now, its XX/XX/XXXX, and I tried to call in about having the payment waived for the month, as that is what the supposed benefit was, for my payment due XX/XX/XXXX, thinking that was how it would be taken care of this month. Only to find out, BofA refuses to help with anything after XX/XX/XXXX, even tho they said they would on XX/XX/XXXX. So now I dont have money for my payment and have been told I will be charged a late fee also. Had I known this when I called on XX/XX/XXXX, I wouldve finagled my finances. Now its too late. Please fix this.

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 2025-05-01 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: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I believe someone used my information to obtain a credit loan that I have any knowledge of.

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