vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please provide signature verification of account. If no verification provided please remove from my credit report immediately!

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 2025-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, they must update the account from my file. 
XXXXXXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
I will include the full message below I sent to MOHELA. This new complaint encompasses the closed complaint XXXX and open complaint XXXX. I have attempted to contact MOHELA on 3/19 ( 4hr wait, 3/21 ( 5hr wait ) and 3/24 ( quoted 1 hr 30 min wait and was on hold for 2 hrs 10 minutes before I had to go to work ). I then sent a message to them below : Hi, I am writing in on behalf of Mohelas response to my complaint with the CFPB on account balance discrepancies I noticed back in XXXX. You replied to the CFPB on 3/12 noting the discrepancies in my account : Our records indicate the interest on your account in the amount of {$6700.00} accrued prior to the application of the 0 % interest rate associated with the SAVE forbearance, which started on XX/XX/XXXX. As a result, our records indicate that your outstanding balance detailed as follows is accurate. Total Payoff Amount : {$90000.00} Total Principal Due : {$83000.00} Total Outstanding Interest : {$6700.00}. Not only is the principal balance incorrect, the amount of interest is also incorrect. I have a billing statement from XX/XX/XXXX that shows my outstanding principal is {$83000.00}. My interest also says it is at {$6400.00}. As you can see, you note in your response that the amount of interest accrued PRIOR to XX/XX/XXXX. If so, how do I have a literal statement from XX/XX/XXXX that shows less than this?! I also have uploaded many supporting documents to corroborate my findings and have provided feedback to the CFPB that you are not only not making corrections but are providing bad information. As you may have seen the two additional messages I sent last week, my balance Has inflated even more to {$99000.00} ( and counting ) because two of the loans are also not set at zero percent interest as they should be now due to the SAVE forbearance. I believe my balance should be {$89000.00} ( {$83000.00} principal and {$6400.00} interest ). I would like the excess interest and principal ( current total as of today is at {$10000.00} ) removed from my account immediately. At the very least, MOHELA should be able to clearly explain how theyve arrived at the current balance of {$99000.00} ( {$83000.00} principal and {$15000.00} interest ) and clarify this extremely convoluted process. I also need to mention that your hold times are egregious and impossible for anyone to actually reach you via phone. Thank you for your careful attention to this highly stressful matter. 

I have included multiple documents showing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: KY

Complaint narrative:
In XX/XX/year>, I had a serious car accident that left me injured. The insurance was responsible for paying for the vehicle, but there were delays that caused a 30-day delay in payment with XXXX XXXX XXXX Since then, I have maintained an impeccable credit history and request to remove that mark.

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 2025-03-25 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: PA

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX XXXX TransUnion, Experian, and Equifax. This account is inaccurately and inconsistently reported and should be deleted for the following reasons : Different Original Creditors Reported TransUnion lists XXXXXXXX XXXX Experian and Equifax list XXXX XXXX XXXX  This is a major discrepancy that raises serious concerns about the accuracy and validity of this debt.

Different Balances Across Reports TransUnion reports {$680.00}, while Experian and Equifax report {$430.00}.

The same debt should never have different balances on separate bureaus.

Inconsistent Account Opening Dates TransUnion lists XX/XX/XXXX, while the other bureaus list XX/XX/XXXX. 
This inconsistency further shows a failure to maintain accurate data. 
Improper Account Type The account is listed as an Open Account on TransUnion and Equifax and as Debt Buyer on Experian. 
A debt buyer should report accounts strictly as collection accounts, not as open or revolving credit. 
No Debt Validation Provided I have not received a notice of debt validation from XXXX XXXX XXXX in accordance with FDCPA 809 ( b ).

Therefore, they are not legally permitted to report this account.

FCRA Violations The company is in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for furnishing inaccurate and inconsistent information.

This account is causing unjust harm to my credit profile. I am requesting its permanent deletion from all three credit bureaus due to these legal violations and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
I want to inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CREDIT REPORTS WERE REQUESTED. PHONE CALLS WERE ADE TO ALL 3 BUREAUS REQUESTING INACCURATE DATA TO BE REMOVED. IDENTITY THEFT REPORTS WERE FILED. DISPUTES WERE MADE WITH BUREAUS AS WELL. CFPB REPORTS WERE FILED AND MANY REQUEST/COMPLAINTS WERE NOT RESOLVED.

I HAVE NO HAD ANY ACCOUNTS WITH US AUTO FINANCE AND REQUEST THE INACCURATE INFORMATION REPORTED BY XXXX, XXXX - 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to fix their website. An attempt to log in provides an error stating, " We are temporarily unable to complete this request. '' It has been like this for at least four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I am submitting a formal complaint regarding several unauthorized hard inquiries that have been reported on my TransUnion credit report. These inquiries have negatively impacted my credit score and were conducted without my consent. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX reported on XX/XX/XXXX ( appears twice ) XXXX XXXX reported on XX/XX/XXXX XXXXXXXX XXXX  reported on XX/XX/XXXX I request that these inquiries be investigated and removed from my credit report immediately, as I did not authorize any of them. I have attempted to resolve this matter directly with the creditors and the credit reporting agency, but I have been unsuccessful. 

I am attaching copies of my credit report and any relevant documentation to support my claim. I appreciate your prompt attention and assistance in correcting this inaccuracy on my credit history. 

Sincerely, 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 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All of a sudden I go to jail I have a bank of America card, XXXX XXXX and also a XXXX XXXX XXXX some one claimed to be my wife and I don't have no contact with her or know her she been using my line of credit as her cable bill sale phone bill also got card under my name just today she attempt to do it again and did

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 2025-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I owned a property with a partner, mortgaged by Freedom. In XX/XX/XXXX, I assumed full ownership ( via a mortgage assumption ) of that property. I previously had an online account, but since the assumption, have yet to be able to create a new one. I have called many times to request a formal complaint to Freedom and never been put in touch with the appropriate person. I am unable to understand the rationale that the system software can not be updated. Without an online account, I am unable to easily see my loan balance, escrow balance, escrow payments, etc, This has recently caused an issue where I change insurance companies, but Freedom had disbursed an escrow payment to my old insurance company already. 

I do not believe Freedom Mortgage has taken appropriate measures in a timely manner to rectify the software issues they mentioned in their original response. Per Freedom 's XXXX  response, the software changes were instituted in early XXXX, over XXXX years ago, which is an appropriate amount of time to rectify any software changes.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Following accounts need immediate deletion, as there was no proof of thorough investigations, Experian, Transunion, and Equifax continue to report false information, this is beyond discriminatory at this point, also they refuse to delete items in litigation. 

Accounts : 1. XXXX - delete 2. XXXX XXXX XXXX - Delete 3. XXXX XXXX XXXX XXXX - delete 4. XXXX XXXX XXXX - delete 5. XXXX XXXX XXXX - Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
Regulation F and FCRA Legal Demand Failure to Verify, Investigate, or Delete Disputed Items FTC Identity Theft Report # XXXX on File Dear Equifax Legal Department, This letter serves as a formal legal demand under Regulation F ( 12 CFR 1006 ) and the Fair Credit Reporting Act ( FCRA ) to delete inaccurate, unauthorized, and unverified information from my Equifax credit report. Despite my prior formal dispute dated XX/XX/XXXX and my official filing of FTC Identity Theft Report # XXXX, Equifax has failed to remove the listed fraudulent items, provide any method of verification, or comply with federal legal requirements. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to conduct a reinvestigation and clearly explain the process and the method of verification. Your continued reporting of information without my permission violates 15 U.S.C. 1681b, and your refusal to block identity theft-related data following formal notice is a violation of 15 U.S.C. 1681c-2. 

These failures also constitute violations of Regulation F, which requires proper communication with consumers regarding disputed debts and credit items, and prohibits inaccurate or unverified reporting practices. Many of these furnishers can not produce valid contracts or applications bearing my wet signature, because they do not exist. 

Disputed Accounts ( Must Be Permanently Deleted ) : XXXX  Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXXXXXX & XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX JXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # xxxx # # Unauthorized Inquiries ( Must Be Deleted ) : XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Dates : XX/XX/XXXX and XX/XX/XXXX You Have Failed to : Provide a description of the reinvestigation procedures used Deliver the method of verification from furnishers Block identity theft-related accounts as required by 1681c-2 Adhere to the standards of Regulation F regarding consumer communication and validation Immediate Legal Demand : Immediately delete all listed accounts and inquiries Provide written confirmation of deletion within 15 calendar days Cease all furnishing or selling of my personal credit data without verified authorization Failure to Comply Will Result In : Escalated complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages under federal law This is your final legal notice. I expect full deletion of the above data and a written response within 15 calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Experian, I am writing to formally dispute the reappearance of accounts on my credit report that were previously investigated and deleted. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency must not reinsert previously deleted information unless the data furnisher has certified its accuracy and the bureau has notified me in writing within five business days. Upon reviewing my recent credit report, I have identified that the following account ( s ) have been improperly reinserted without proper notice or justification : -XXXX XXXX XXXX XXXX XXXXXXXX This action constitutes a violation of my rights under the FCRA XXXX As per 15 U.S.C. 1681n and 1681o, failing to comply with these provisions can result in liability for damages, including statutory damages, attorney fees, and court costs. To resolve this matter amicably, I request immediately deleting the reinserted account ( s ) from my credit report. A written explanation detailing how and why the account ( s ) were reinserted. A confirmation letter stating that the account ( s ) have been permanently removed. I expect your prompt attention to this serious matter and look forward to your response confirming the deletion and compliance with FCRA requirements. Please send your written response to the address listed on my credit report. I have attached the account proof this it was delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Requested a 1099c for Kohl 's charged-off of Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-03-25 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: AL

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
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX 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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app offer spend {$10.00}, get {$10.00} not being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Venmo is holding funds that belong to me!!! It's my earned money!!! I'm struggling to survive day to day and can not afford senseless holds on MY money! They are holding money for a transaction from someone who is not only in my friends list but who has done more transactions with me than anyone else on Venmo. I have tried for days on days to contact them and speak to someone about the issue and all I get are stupid emails that fix absolutely nothing. This company will gladly take people 's money but then hold hard work people 's funds for up to 21 days for a XXXX XXXX transaction??? I live day to day out of a hotel trying to feed kids so when I EARN MY money I expect to be able to access it or at least speak to a human being about why I can not. I understand using automated service for some inquiries however after 20 times of not being able to resolve an issue I think it's terrible business practices just to ignore a person who's livelihood you are messing with!!!! Terribly disappointed

Company response to consumer: Closed with non-monetary relief