vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: PA

Complaint narrative:
Due to Cash App not having live agents by law, my private information was breached. Due to their negligence with following the law and working a company with real live agents they failed to keep my information safe, which led to multiple sources trying to use money on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have repeatedly asked this company to not contact me and when they do contact me, they spam me with so many calls a day from different numbers and never know whos calling me to actually want to have the correct information that maybe that I requested for them to call. I miss phone calls because I dont know who is who and leave me numerous voicemails. Not only between me working XXXX and being a XXXX and a XXXX, I have to repeatedly see these phone calls from this company when I do answer theyre sitting here just talking nonsense. I do ask him to stop contacting me and take my number off since I think they sold my account, Im not entirely too sure but I really wish they would stop harassing me when they do. Ask me questions. I tell them that I dont wan na answer and then they just continue on trying to tell me that if I dont give them the information that it could be or will be used against me as my credit Ive had them threaten me as far as they were going to sue me. I dont even know, but I feel really threatened with this company, I feel harassed. I dont know what else to do besides blocked the numbers that they call me from but they always find a way to call me and I need this Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to American Express through their debt collector, XXXX XXXX XXXX, requesting validation of an alleged {$120.00} debt. On XX/XX/year>, American Express responded in writing stating : We are unable to fulfill your request. Despite this admission that they could not validate the debt, they continue to report this tradeline to XXXX  under a different account number ( ending in XXXX ), showing it as 1 month past due. 

I disputed the information with XXXX  on XX/XX/year>, providing Amex 's letter. On XX/XX/year>, XXXX  completed the dispute but failed to delete the tradeline, leaving it unchanged and unmarked as disputed. 

I called Amex in XX/XX/year> and asked that they cease reporting, but they refused to review the XX/XX/XXXX letter and attempted to elicit an admission to the debt instead. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 1681i, 1681s-2 ( b ), and 623 ( a ) ( 1 ) ( A ). 

I have filed an XXXX arbitration case regarding this matter under case number XXXX. I am requesting immediate deletion of the inaccurate tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Lvnv collection now showing on my XXXX XXXX credit report company has not provided requested copy of purchase agreement copy of bill of sale with my name and not debt pool purchase these item have not been given and report under 15 usc code 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CL Holdings LLC
State: FL

Complaint narrative:
I spoke with Credit Bureau XXXX  about why an account from over 7 years ago that was disputed then was still on my credit report. They made me believe it was a mistake and will be removed. They redirected me to a service that said they could remove it for {$270.00} down and {$99.00} a month. The original account which was XXXX was in question over 7 years ago. The total amount shown was {$590.00}. They misrepresented the fact that this was not XXXX  but a collection service. I was told right then that if I did not pay the money they would cause more problems on my report. No help, no resolution, fraudulently pretending to be XXXX. Please help me. I dont know where else to turn. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY has reported a collection account to my credit file with credit bureaus which is damaged and hurting my score. This company is debt buyer junk company and states before I did not make purchasing on this account and ask Portfolio Recovery to provide signed credit application and transaction receipts. Portfolio Recovery never provided the information now verified. This is a violation of 15 USC 1681. I will be filing a lawsuit against Portfolio Recovery immediately if this account is not removed from all credit bureaus. This company has been sued many times for reporting false and inaccurate information. I will be contacting my attorney on today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXXr for Misleading Charges and Vehicle Downgrade To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX  regarding a rental I had from XX/XX/XXXX to XX/XX/year>. I reserved and paid for a XXXX vehicle for my trip, but I was provided with a XXXX XXXX XXXX which was XXXX XXXX a XXXX passenger XXXX, which did not meet the needs of my group. 

According to the signed rental agreement, I explicitly accepted : Loss Damage Waiver ( LDW ) at XXXX XXXX Personal Accident and Effects Insurance ( PAI ) at XXXX XXXXXXXX These amounts total {$180.00} over 4 days, and they are clearly itemized in the Non-Taxable Products/Services section of the receipt Ive attached. 

Days after my rental concluded, I was shocked to discover that I had been charged : {$350.00} for LDW {$27.00} for PAI {$120.00} for an upgrade fee These post-rental charges are not only inconsistent with the terms of the agreement I signed, but they are inaccurate and unjustified : {$39.00} x 4 days is {$150.00}, not {$350.00}. I already paid for LDW per the signed agreement, and the extra charge is over {$200.00} higher than it should be. 

{$6.00} x 4 days is {$27.00}, which was already included in the {$180.00} paid at the time of rental. 

The {$120.00} upgrade fee makes no sense, as I never received an upgraded vehicle. In fact, I received a smaller vehicle than reserved. 

These additional charges are deceptive and appear to be double-billing for services I already paid for. I attempted to resolve the matter with XXXX Customer Service ( see attached email response ), but the outcome was unsatisfactory and failed to address the inaccuracies in the billing or the downgrade in vehicle. 

I am requesting : A full refund of the {$350.00} LDW and {$27.00} Personal Accident Insurance overcharge A refund of the {$120.00} upgrade fee An official investigation into XXXX XXXX XXXX XXXX billing practices Attached are the rental agreement and the response email from XXXX for your review. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of a data breach and Identify theft. 
XXXX XXXX XX/XX/XXXX $ XXXXcharge off XXXX XXXX XXXXXX/XX/XXXX $ XXXXPaid in full/Charge off XXXX XXXX XXXX XX/XX/XXXX $ XXXX off XXXX & XXXX XX/XX/XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ 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 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence.

The following account must be removed immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts.

Thank you for your immediate attention to this matter.

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
My Mohela Federal Student Loans were forgiven as of XX/XX/XXXX  when I reached 120 payments. I received the Forgiveness letter which was dated XX/XX/. Both my account overviews show a XXXX balance. But they are still not reported as a debt on my credit report. This is disastrous for me. 

One year later, the balance in that letter of forgiveness {$230000.00} is still appearing as a balance to be paid on XXXX  and XXXX  credit reports. It is showing as closed but not paid/discharged on XXXX. 

Mohela only reported {$75000.00} as paid as of XX/XX/. I do not know if this is a duplicate loan amount that they corrected or an error. But they did not report the full amount forgiveness. My forgiveness was processed during the Mohela platform rollover. I repeatedly contacted them to ask for correct reporting and to complain about the issue. 

As of today my credit reports show the {$230000.00} as a debt based on Mohela 's reporting of XX/XX/, Mohela was still reporting the forgiven amount of {$230000.00} to the credit agencies and showing the debt as in forbearance.I struggled for decades with these loans. It's been a year and Mohela is still not reporting the account as closed. The credit agencies have not corrected my report even with the supporting letter of Forgiveness and Discharge and the screen shots of my accounts. 

I have now not been able to qualify for mortgages as a result of this. 

I need Mohela to correct the reporting and for the credit bureaus to correct my report based on the supporting documents I have sent. 

Thank you for your good work amid difficult circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
My loans have been under the SAVE forbearance however, they have continued to collect interest. I tried for months to get in touch with MOHELA but the wait time was always over 5 hours. I also sent several messages via my message portal on their website that went unanswered. When I finally got them on the phone months later they told me that it was not a MOHELA issue and it was a federal issue that they had to escalate it. They also told me that all payments I paid during the COVID forbearance would count toward my PSLF and I could apply for the 120 payments PSLF but after speaking with an attorney with legal services on XXXX XXXX I have come to understand that was false information. Recently when I went to look on my account to see if the interest had stopped and was refunded, I noticed my loans stated a payment date for XX/XX/year> however, I was not informed of any upcoming payments and had thought that the forbearance was still in place. Again, I have tried calling but can't get in touch with anyone so I sent a message via the portal but still have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681g ), I am demanding the removal of a collection account XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) listed on my credit report. I have repeatedly requested verification of this alleged debt, including a copy of the original signed contract. To date, I have not received sufficient documentation proving that the debt belongs to me. 

Additionally, inconsistencies across all three major credit bureaus raise significant doubt about the accuracy and legitimacy of this account, further violating the FCRAs requirement for maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ).

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 2025-05-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Both accounts is not mine wrong information is being reported on XXXX XXXX XXXX LVNV Funding LLC ; and XXXX XXXX XXXX I never heard of them I don't know how these company got my information. All 3 credit reporting agencies XXXX, XXXX XXXX  has emailed and sent letters stating that my credit has been breached, they don't help when I disputed these accounts results come back as reported accurate information. I need proof on both accounts need to be removed ASAP. By LAW company 's can NOT SELL your information to other company 's it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Both accounts is not mine wrong information is being reported on XXXX, XXXX XXXX. XXXX XXXX XXXX ; and Caine & Weiner I never heard of them I don't know how these company got my information. All 3 credit reporting agencies XXXX, XXXX, XXXX has emailed and sent letters stating that my credit has been breached, they don't help when I disputed these accounts results come back as reported accurate information. I need proof on both accounts need to be removed ASAP. By LAW company 's can NOT SELL your information to other company 's it's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, Southwest Credit, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. I previously held an account with XXXX and requested cancellation of the service, which XXXX confirmed via email. At the time of cancellation, I was informed that my balance was {$0.00}. Per their instructions, I also returned all required equipment in a timely manner. Since then, I have not received any communicationvia phone, email, or mailfrom XXXX or any debt collector regarding any outstanding balance. This collection account was reported without my knowledge or any prior notice and is currently having a serious negative impact on my creditworthiness and my ability to secure a home loan. Given the circumstances and my belief that this debt was reported in error, I am requesting that this collection account be removed from my credit report immediately, as required under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief