vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Dispute Department XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA and Consumer Law To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns regarding Equifax s failure to conduct proper investigations. A CFPB lawsuit alleges that Equifax engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. 
As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Failure to comply constitutes a violation of federal law. 
I request that Equifax : XXXX. Conduct a thorough reinvestigation of the following disputed accounts : o XXXX XXXX ( Account : XXXX ) o XXXX XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX XXXX  ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) o XXXX ( Account : XXXX XXXX XXXX Account : o XXXX XXXX  ( Account : XXXX ) XXXX. Remove all " NON-MAIL-ABLE '' addresses and ensure that only one correct address is listed to maintain accuracy. 
3. Provide me with all documentation used to verify the accuracy of the disputed information.

4. Correct or delete any information that can not be verified or is inaccurate, as required by law. 
If Equifax fails to comply, I will escalate this matter by filing a CFPB complaint regarding improper investigations, as previously cited in legal action against Equifax. 
I have enclosed a copy of my identification and relevant supporting documents to facilitate your investigation. Please respond in writing within the legally mandated timeframe and provide written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
My report has been used without my consent. My report is currently frozen and someone has been attempting to open accounts under my name.I need these inquiries to be removed as soon as possible and they are a hindrance in my life. Please see there is also a company that shows on my report that I believe is the one using my credit. The company name is XXXX XXXX XXXX XXXX. Also the social security showing in the credit reporting agencies is not mine either. If these inquiries are not removed, I need supporting documentation from you as to why not so I can take legal action. 


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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Based on, 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights. 

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-03-22 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: TX

Complaint narrative:
Based on, 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights. 

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Block, Inc.
State: GA

Complaint narrative:
Cash app has held {$200.00} of my money for over 3 years now. I have tried to talk to a representative and no one reaches out or can explain how cash app can put a hold on my money. This is my money and I want it returned immediately, they have no right to hold my {$200.00} over 3 years with no explanation or any reason at all. This is a scam Im not happy at all. I want to take a lawsuit but my hands are tied, I just want my money taken off hold and returned immediately. No one can ever answer my questions tired of talking to a robot who has no answers or no one who can call and tell me why they are holding my money. XX/XX/year> I added {$200.00} from my back account all together. Three different times I added funds from my bank account to cash app to send money but after I tried to send the {$200.00} I realized they blocked my account and held my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I want these inquiries deleted. I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

Complaint narrative:
FOR MONTHS YOUR COMPANY HAS BEEN REPORTING INACCURATE & INCORRECT INFORMATION ON MY CONSUMER REPORT. EVERY ACCOUNT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY, THE PAYMENT HISTORY & LAST PAYMENT DATES BETWEEN XXXX, XXXX, TRANSUNION.. DELETE AFTER YOUR REINVESTIGATION OF THESE INACCURATE ACCOUNTS, YOU WILL DELETE EACH ONE OF THEM FOR VIOLATING THE FCRA, BECAUSE THE INFORMATION IS INACCURATE IN REPORTING. DELETE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF ALL THE DELETIONS. DELETE THESE ACCOUNTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF ED ) ( US DEPT OF ED ) 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 2025-03-22 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: SC

Complaint narrative:
FOR MONTHS YOUR COMPANY HAS BEEN REPORTING INACCURATE & INCORRECT INFORMATION ON MY CONSUMER REPORT. EVERY ACCOUNT IS SHOWING DIFFERENT DATES OF LAST ACTIVITY, THE PAYMENT HISTORY & LAST PAYMENT DATES BETWEEN XXXX, XXXX, TRANSUNION.. DELETE AFTER YOUR REINVESTIGATION OF THESE INACCURATE ACCOUNTS, YOU WILL DELETE EACH ONE OF THEM FOR VIOLATING THE FCRA, BECAUSE THE INFORMATION IS INACCURATE IN REPORTING. DELETE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF ALL THE DELETIONS. DELETE THESE ACCOUNTS ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( US DEPT OF ED ) ( US DEPT OF ED ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I am filing this complaint due to the mishandling of a charge-off account associated with my business by XXXX XXXX XXXX Despite my consistent efforts to resolve this matter directly with XXXX XXXX since XXXX of 2023, the issue remains unresolved. 

Issue Summary : 1. Failure to Issue 1099-C : XXXX XXXX has not provided me with a Form 1099-C, even though the debt was charged off and remains under their ownership. 
I have not received any written notification or documentation confirming the cancellation of the debt or explaining why a 1099-C was not issued. 
If the debt has been forgiven or considered canceled, I require clarification as to why the form was not issued and reported to the IRS as required by law. 
2. Improper Reporting to Personal Credit Report : The account in question was established under my business name. 
Despite being a business account, XXXX XXXX is improperly reporting the charge-off under my personal credit report, causing unjustified damage to my personal credit. 
I am requesting a clear explanation from XXXX XXXX as to why this business account is being reported under my personal credit instead of my business credit. 
Additionally, I am requesting this incorrect reporting be corrected and removed from my personal credit report immediately. 
3. Failure to Provide Proof of Ownership : I have repeatedly requested documentation proving XXXX XXXX ownership of the account, along with confirmation that the debt has not been transferred or sold to another entity. 
XXXX XXXX has failed to provide any agreements, contracts, or documentation proving that I am personally liable for this business account. 
4. Failure to Provide Complete Documentation : XXXX XXXX has not provided a complete account history or communication logs related to this charge-off. 
I am requesting a detailed account history, including all transactions, communication attempts, and any internal notes related to the issuance of a 1099-C or reporting of this account. 

Requested Resolution : I am requesting XXXX XXXX to : Provide a valid explanation as to why this business account is being reported under my personal credit report and to correct this reporting error immediately. 
Issue the Form 1099-C if the debt has been canceled or provide a valid explanation as to why it was not issued. 
Provide documentation verifying their ownership of the account, including all relevant agreements, contracts, and communication records. 
Provide a complete account history, including payment records, transaction logs, and evidence of all communication attempts. 
Confirm if this matter has been reported correctly to the IRS if applicable

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint due to the mishandling of a charge-off account associated with my business by XXXX XXXX XXXX Despite my consistent efforts to resolve this matter directly with XXXX XXXX since XXXX of 2023, the issue remains unresolved. 

Issue Summary : 1. Failure to Issue 1099-C : XXXX XXXX has not provided me with a Form 1099-C, even though the debt was charged off and remains under their ownership. 
I have not received any written notification or documentation confirming the cancellation of the debt or explaining why a 1099-C was not issued.

If the debt has been forgiven or considered canceled, I require clarification as to why the form was not issued and reported to the IRS as required by law.

2. Improper Reporting to Personal Credit Report : The account in question was established under my business name. 
Despite being a business account, XXXX XXXX is improperly reporting the charge-off under my personal credit report, causing unjustified damage to my personal credit. 
I am requesting a clear explanation from XXXX XXXX as to why this business account is being reported under my personal credit instead of my business credit. 
Additionally, I am requesting this incorrect reporting be corrected and removed from my personal credit report immediately. 
3. Failure to Provide Proof of Ownership : I have repeatedly requested documentation proving XXXX XXXX ownership of the account, along with confirmation that the debt has not been transferred or sold to another entity. 
XXXX XXXX has failed to provide any agreements, contracts, or documentation proving that I am personally liable for this business account. 
4. Failure to Provide Complete Documentation : XXXX XXXX has not provided a complete account history or communication logs related to this charge-off. 
I am requesting a detailed account history, including all transactions, communication attempts, and any internal notes related to the issuance of a 1099-C or reporting of this account. 

Requested Resolution : I am requesting XXXX XXXX to : Provide a valid explanation as to why this business account is being reported under my personal credit report and to correct this reporting error immediately. 
Issue the Form 1099-C if the debt has been canceled or provide a valid explanation as to why it was not issued. 
Provide documentation verifying their ownership of the account, including all relevant agreements, contracts, and communication records. 
Provide a complete account history, including payment records, transaction logs, and evidence of all communication attempts. 
Confirm if this matter has been reported correctly to the IRS if applicable

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone hacked my Chime bank account and sent themselves my last {$200.00} that I had just deposited to make my electricity bill payment. Chime is refusing the dispute and wont let me appeal it so now my power is being shut off. The transaction happened on XX/XX/year> late at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AL

Complaint narrative:
I have been facing significant challenges in contacting MOHELA and receiving feedback regarding my student loan status. I initiated the consolidation process in XXXX 2024, yet some loans have been incorrectly reported as " in school, '' while XXXX were combined. Additionally, I recently received notice of a $ XXXX payment due in XXXX, despite not receiving any confirmation or updates on my requested consolidation. 

Furthermore, as part of my consolidation request, I specifically applied for an affordable payment plan, but I have yet to receive any information regarding its status. While I understand the complexities and ongoing changes in student loan processing, this should not impact the quality of service provided to borrowers. 

I am urgently seeking assistance to ensure that all loans are consolidated as originally requested in XXXX 2024 and that my payment plan request is properly processed. I would appreciate prompt attention to this matter to avoid unnecessary financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: OK

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly 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 non-monetary relief