vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
My credit card payment of {$99.00} was due XX/XX/XXXX. I logged into my account on XX/XX/XXXX to make a payment. This company stops all payments at XXXX XXXX, I logged into my account at about XXXX CT so that was after their cutoff time. That cutoff time is crazy. I made my payment on XX/XX/XXXX and all credit card companies should honor that payment on that day. This credit card company should honor my payment and not give me a {$40.00} late fee for my payment that was made on the day it was due. It is ridiculous to think they get my payment but then steal {$40.00} from me. {$40.00} to me is like a {$1000.00}. They should be made to honor all payments that are made that day. Now they get {$40.00} from me which now causes them to collect even more interest from me and makes it harder for me to pay down the debt. So they lock me in to them and strangle me more. I'm paying them and they should not make it hard to pay down the debt. Totally unfair. Also, they did not notify me of suspicious charges on my account so they were collecting interest off of {$150.00} worth of fraudulent charges on my account which XXXX  me even more. At minimum they should at least refund my late fee instead of fleece me. They fleece all customers on interest and fees which is shame especially when i make the payment on the due date. the day does not end at XXXX ET. The day ends at XXXX  and XXXX is not 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 2025-01-27 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number 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 2025-01-27 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: NE

Complaint narrative:
Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past 7 years or better! I've undoubtedly been XXXX by these 3 reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
.l I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: 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. 


Account Name 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 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 2025-01-27 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: NC

Complaint narrative:
I am a victim of multiple data breaches and fraudulent items that has been removed before has been added to my report which is in violation of my rights and against the law, I am disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I am requesting the immediate removal of all unverifiable, inaccurate, and fraudulent information. These errors are adversely affecting my creditworthiness and do not accurately represent my credit history. Please conduct a reinvestigation and provide documentation verifying the of the disputed items being removed promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am a victim of multiple data breaches and fraudulent items that has been removed before has been added to my report which is in violation of my rights and against the law, I am disputing the inclusion of inaccurate and fraudulent information on my credit report, as outlined in the attached documentation. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, I am requesting the immediate removal of all unverifiable, inaccurate, and fraudulent information. These errors are adversely affecting my creditworthiness and do not accurately represent my credit history. Please conduct a reinvestigation and provide documentation verifying the of the disputed items being removed promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
I'm filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an alleged collection account from XXXX XXXX XXXX. Despite multiple disputes, TransUnion has not accurately investigated or corrected the inaccurate reporting of this collection account. Violations Under FCRA TransUnion have violated several provisions of the FCRA, particularly 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies conduct a reasonable investigation into disputes and correct inaccuracies. After initiating a dispute with TransUnion regarding the alleged debt from XXXX XXXX XXXX, TransUnion failed to verify the accuracy of the information. This alleged debt account was reported inaccurately as an open collection account in the year of XXXX. I have disputed this false collection with Transunion in XXXX of XXXX. 
In the same year I noticed that this collection account was only reported by Transunion and not by XXXX and to date it is not reported to XXXX. 


After conducting my own investigation, In XXXX. I contracted XXXX XXXX XXXX  to assist with settling an account with XXXXThe agreed-upon settlement amount that XXXX XXXX XXXX negotiated with XXXX was {$12000.00}, Which was confirmed and agreed upon by both Parties. All payments were made and the debt was paid in full in XXXX. I have attached a document and statement as a proof. Despite the settlement Agreement and full payment, XXXX XXXX XXXX which I have no contract with waited three years and falsely reprted a collection on my credit for that same account and reported that I owe {$26000.00} a significantly higher amount than the settlement agreement. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verified information be reported to the credit bureaus. 
They falsely reported to Transunion by manipulating the dates for this account, and the amount by showing an active collection account on my credit report. 

A separate complaint against the collection agency XXXX XXXX XXXX will be filed for failure to validate this alleged debt as required by the FDCPA and for False Representation of debt amount ( Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A )

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX provided me with a settlement to clear up my XXXX XXXX account. I paid the full amount of the settlement. My credit report should reflect a XXXX balance owed to XXXX XXXX. If I paid less that what was owed, they can say that. They can also send me a 1099-C. However, the balance owed should be XXXX since they agreed to 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX provided me with a settlement to clear up my XXXX XXXX account. I paid the full amount of the settlement. My credit report should reflect a XXXX balance owed to XXXX XXXX. If I paid less that what was owed, they can say that. They can also send me a 1099-C. However, the balance owed should be XXXX since they agreed to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
XXXX provided me with a settlement to clear up my XXXX XXXX account. I paid the full amount of the settlement. My credit report should reflect a XXXX balance owed to XXXX XXXX. If I paid less that what was owed, they can say that. They can also send me a 1099-C. However, the balance owed should be XXXX since they agreed to 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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CL Holdings LLC
State: TX

Complaint narrative:
This outdated and no longer relevant information does not accurately reflect my current financial standing, and it continues to adversely impact my credit score.

As this account is fully resolved, I kindly request that you remove it from my credit report in accordance with the principle of reporting only accurate and relevant information. I believe that its continued presence on my credit report, despite being paid, is no longer necessary and does not provide an accurate portrayal of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Some one is trying to open up credit accounts with various companies with out my authorization. Most recently an account was opened with XXXX and I received a statement for {$280.00} with a credit limit of {$3000.00}. Received in mail XX/XX/scrub>XXXX XXXX 
There also numerous instances of Hard Credit Checks recently.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a with XXXX XXXX asking for 1st date of delinquency and they were unable to provide this information to me. This is for credit reporting purpose. My account # 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 non-monetary relief
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I filed a with XXXX XXXX asking for 1st date of delinquency and they were unable to provide this information to me. This is for credit reporting purpose. My account # 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I sent a letter to dispute discrepancies I saw on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
So it appears that I am in the PSLF program and have 119 of 120 payments. I only need one more to have my loans forgiven and when I logged into Mohela the servicer it appears they have me in 3-4 programs. IBR, IDR, PSLF and in forbearance. When I spoke with someone about only needing one more qualifying payment since XX/XX/year> they told me to give my last application time to update. Everyone I speak to gives different information. Another person I spoke with said I was in forbearance and to call Mohela. Mohela has a 2 1/2 hour wait time to speak with someone. This is becoming very frustrating. When I look at the other program it says I have made I have 107 of 394 payments left which means there are 287 qualifying payments ; however PSLF says I have made the 119 payments of 120 needed for discharge. If I have made over 120, this is incorrect and should be forgiven. Everything is all over the place. Then it has different amounts for all platforms. 
See below : {>= $1,000,000} on mohela {$77000.00} on student aid XXXX on credit report for mohela/department of education

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief