vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CADENCE BANK
State: AL

Complaint narrative:
The CFPB keeps closing these complaints without looking at facts. 
Cadence replying they replied is not enough. 
Cadence back misled the CFPB. 
Cadence bank charged us an overdraft fee twice in one month. 
The first fee was charged at the end of business we did not see it until after hours and deposited cash. 

The second time it was charged and money was deposited and covered the amount. 
Their policy " changed '' per the branch however no notice was ever sent. 

The first time they refused to reverse the fee because they said their policy changed. 
We made the deposit before XXXX XXXX 

The second time they charged us they said we had to make a deposit by XXXX pm and we made it later, but on the same calendar day. 

So they charged us for making a deposit to cover an overdraft before XXXX pm the first time and after XXXX XXXX  the second time. 

They are not consistent. This has happened before and we made a deposit before midnight and they did not charge us, so why do the times keep changing. 

We will continue to make complaints and reviews online until our money is returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, this is a follow-up to my other complaint with Experian. The CFPB case number is XXXX. 

Experian is the ONLY credit reporting Agency that will not allow me to print my FREE annual Credit Report from AnnualCreditReport.com. I have no issue with XXXX or XXXX. As I have stated Experian has held me HOSTAGE for years and I want it to stop NOW. They need to remove whatever they are doing to me as a US Citizen. Again if all these blocks are not removed I will hire legal counsel and take this to court for the stress and harm they have caused me over the years

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Subject : Formal Complaint Against MoHELA for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the Missouri Higher Education Loan Authority ( MoHELA ) regarding its attempts to collect on a student loan debt that has been legally discharged.

1. Loan Details : Loan Servicer : MoHELA Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I discharged the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service XXXX IRS ). 

MoHELA was sent a copy of the 1099-C as required, notifying them of the debt cancellation.

3. Collection Efforts : Despite this discharge, MoHELA has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe MoHELAs actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation. 

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of XXXX. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ). 

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices.

2. Require MoHELA to cease all collection efforts on this discharged debt immediately.

3. Ensure MoHELA updates its records to reflect the cancellation of this debt and remove it from my credit report.

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-01-04 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: I.C. System, Inc.
State: FL

Complaint narrative:
Removal of this account because its not reporting to all 3 bureaus correctly. The FCRA mandates that credit reporting agencies must maintain accurate information about a consumer 's credit history, meaning if the collection agency doesn't report to all 3 bureaus, it may be considered inaccurate information under Section 1681s-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 2025-01-04 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:
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. 

List of Unauthorized Inquiries : 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 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 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 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 2025-01-04 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-04 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: FL

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 XXXXXXXX Account Name : XXXX # XXXX Account Name : 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 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 2025-01-04 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Was reported on my creditreport, no communication or knowledge of this company ever. LNVN Funding reported a collection for XXXX XXXX of {$220.00}. I never received anything from either of these companies, as I have no knowledge of them. Never signed up or received services from this XXXXXXXX  Filed a dispute with all three credit reporting agencies and only XXXX has removed it so far. This is a fraudelent accusation or possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
A letter was sent to Transunion through the CFPB requesting for this company to provide me a detailed Methodology of Investigation : A full explanantion of the procedures and techniques used to verify the authenticity of these XXXX  fraudulent accounts, XXXX XXXX # XXXX, XXXX XXXX # XXXX, Parties involved : names, titles, and roles of all individuals or departments responsible for conducting investigation. Proof of authorization : Copies of the original account applications or agreements, including signature pages. Fraud detection measures : Documentation of fraud detection tools used, including IP address tracking, device identifiers, and geolocation data at the time the accounts were opened. 
Transunion has failed as a company as they failed to respond within legally mandated timeframes outlined by the FCRA WHICH IS A DIRECT VIOLATION OF 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX and Notification of FDCPA Violations Dear Equifax Dispute Resolution Department, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained on [ date ]. Additionally, I wish to notify you of violations of the Fair Debt Collection Practices Act ( FDCPA ) by a third-party debt collector that has negatively impacted my credit report. Below, I have outlined the specific issues and the actions I request for resolution. 

XXXX. Inaccurate Information in My Credit Report The following items on my credit report are inaccurate or unverifiable : XXXX XXXX This information is incorrect and does not reflect my true credit history. I have attached supporting documentation, including [ e.g., account statements, payment receipts, or correspondence ], to substantiate my claim. 

XXXX. FDCPA Violations by Debt Collector In addition to the inaccuracies, I have identified violations of the FDCPA by EQUIFAX INFORMATION SERVICES LLC. These violations include : Harassment, Misrepresentation, & Failure to Validate. 

These actions are in direct violation of the FDCPA and have caused undue harm to my financial reputation. I have attached copies of my correspondence with the debt collector and any relevant evidence of their misconduct. 

Enclosed, please find copies of the following documents : My recent credit report highlighting the disputed items. 

Please consider this letter my formal dispute under the FCRA and take the necessary steps to ensure that my credit file is accurate and complete. I expect a prompt response to this matter, as required by law. If you require additional information, feel free to contact me directly at [ phone number ] or [ email address ]. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : ID & CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
I have sent proof and documentation along with personal letter of explanation to all three credit bureaus. XXXX, XXXX and Transunion. The proof and documentation of the credits was resolved, paid in full including late fees and satisfied, but XXXX and Transunion has not updated my account since XX/XX/XXXX. This not fair reporting and definitely not accurate information. 
XXXX through XXXX my wife filed for legal separation. My world was torn apart. This when I hit a hardship. I tried at that time to communicate with the all the creditors and credit bureaus, but they wanted payments and was interested in my personal situation. Constantly calling from the creditors and collections agencies. 
So I made a decision to sell my to satisfy all persons involved. 
I sold my home and the proceeds was used to pay of negativity with paid satisfied including late charges. XXXX XXXX XXXX XXXXXXXX handle the transactions. Yes, I proof that they paid and satisfied. Still showing on my credit reports with XXXX and Transunion.

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 2025-01-04 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: WI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: WI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: SC

Complaint narrative:
Over numerous of times I have reached out to this company to get this account removed because of identity theft. My data has been breached online and my social security number is out there for anyone to use. In law codes 15 USC 1681, it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have a right to have the account removed due to it not rightfully being mine by 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