vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE AND NOT PROPERLY VERIFIED. I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 S2A A FURNISHER MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681 I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING ACCOUNTS ARE AS FOLLOWS THATS REPORTING LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE AND NOT PROPERLY VERIFIED. I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 S2A A FURNISHER MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681 I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING ACCOUNTS ARE AS FOLLOWS THATS REPORTING LATE 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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized transaction that occurred via the Cash App platform. 

On XXXX XXXX, a transaction for {$1000.00} was processed through Cash App to a vendor listed as XXXX XXXX XXXX also known as XXXX XXXX XXXX, XXXX XXXX XXXX. I did not authorize this transaction and immediately contacted Cash App to report the issue and request a refund. However, I was told by Cash App support that there was nothing they could do to assist me in recovering the funds. 

I have screenshots of communications from XXXX XXXX XXXX in which they acknowledge receipt of the funds and state that they would issue a refund. This commitment was made over two weeks ago, and I have yet to receive any refund. Additionally, when I attempt to request a refund through the app, I receive an error stating : " This person can't accept requests right now. '' This raises a serious concern : how is it possible that a vendor is able to receive funds, yet somehow can not accept refund requests? This seems deceptive and potentially fraudulent. I am deeply concerned that companies like XXXX XXXX XXXX are being allowed to operate through Cash App despite showing signs of scamming users, and that Cash App has no effective consumer protection or dispute resolution process in place to prevent or resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Subject : Demand for Permanent Deletion ( With Prejudice ) of Unverified Account per FCRA, UCC, and CFPB Response To Whom It May Concern : This is a formal demand for the permanent deletion with prejudice of the disputedXX/XX/XXXXXXXX account XXXX listed on my credit report. 

I previously disputed this account under the Fair Credit Reporting Act ( FCRA ) and received a response from the Consumer Financial Protection Bureau ( CFPB ) indicating thatXX/XX/XXXX was unable to locate or verify the account in question. As such, this account can not legally remain on my credit report.

Applicable Law & Justification for Deletion 1.FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, the credit bureau must conduct a reasonable investigation and delete any item that can not be verified within the statutory time frame ( typically 30 days ). Since the furnisher failed to verify the account, this item must be removed immediately.

2. FCRA 15 U.S.C. 1681s-2 ( b ) The data furnisher ( XX/XX/XXXXXXXX account XXXX ) is legally required to : - Investigate disputed information, - Review all relevant information provided by the CRA, - Report the results back, and - Delete inaccurate, incomplete, or unverifiable information.

Failure to do so constitutes noncompliance.

3.Uniform Commercial Code ( UCC ) 1-201 ( 20 ) A \ '' verified\ '' record requires proof by evidence or sworn certification. Credit card statements or basic account summaries do not satisfy legal verification or authentication standards under UCC.

4. UCC 3-501 ( b ) ( 2 ) Upon demand, a party must produce evidence of the obligation. Failure to do so within a reasonable time constitutes a dishonor and discharges the alleged debt.

Demand for Deletion With Prejudice Because : - The alleged creditor has failed to verify or validate the account, - The CFPB confirmed no record of the account exists, and- The statutory time limit for investigation has expired, I now formally demand that this account be permanently deleted with prejudice from all records and not reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), including written notice and substantiated documentation.

Please be advised that any continued reporting of this unverifiable account may be considered willful noncompliance and subject to legal action under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of this deletion within 5 days of receipt of this notice

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 2025-04-08 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: LA

Complaint narrative:
Subject : Demand for Permanent Deletion ( With Prejudice ) of Unverified Account per FCRA, UCC, and CFPB Response To Whom It May Concern : This is a formal demand for the permanent deletion with prejudice of the disputed XXXX XXXX account XXXX listed on my credit report. 

I previously disputed this account under the Fair Credit Reporting Act ( FCRA ) and received a response from the Consumer Financial Protection Bureau ( CFPB ) indicating that XXXX XXXX was unable to locate or verify the account in question. As such, this account can not legally remain on my credit report. 

Applicable Law & Justification for Deletion 1.FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, the credit bureau must conduct a reasonable investigation and delete any item that can not be verified within the statutory time frame ( typically 30 days ). Since the furnisher failed to verify the account, this item must be removed immediately.

2. FCRA 15 U.S.C. 1681s-2 ( b ) The data furnisher ( XXXX XXXXXXXX account XXXX ) is legally required to : - Investigate disputed information, - Review all relevant information provided by the CRA, - Report the results back, and - Delete inaccurate, incomplete, or unverifiable information.

Failure to do so constitutes noncompliance.

3.Uniform Commercial Code ( UCC ) 1-201 ( 20 ) A \ '' verified\ '' record requires proof by evidence or sworn certification. Credit card statements or basic account summaries do not satisfy legal verification or authentication standards under UCC.

4. UCC 3-501 ( b ) ( 2 ) Upon demand, a party must produce evidence of the obligation. Failure to do so within a reasonable time constitutes a dishonor and discharges the alleged debt.

Demand for Deletion With Prejudice Because : - The alleged creditor has failed to verify or validate the account, - The CFPB confirmed no record of the account exists, and- The statutory time limit for investigation has expired, I now formally demand that this account be permanently deleted with prejudice from all records and not reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), including written notice and substantiated documentation.

Please be advised that any continued reporting of this unverifiable account may be considered willful noncompliance and subject to legal action under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of this deletion within 5 days of receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-08 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: AR

Complaint narrative:
I am writing to formally dispute multiple derogatory entries currently appearing on my credit report issued by your agency. The information listed below contains inaccuracies and is negatively affecting my creditworthiness. I respectfully request a reinvestigation of each of the listed accounts in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Please note that some of these accounts were previously disputed and should not have been reinserted without proper notification, which is a violation of FCRA Section 611.

Additionally, due to Experians widely reported data breach, I have reason to believe that my information may have been compromised and potentially misused. 

Disputed Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}

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 2025-04-08 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have requested a manual count of my IDR ( income driven repayment plan ) payments on my loans and have also requested it be escalated to the Ombudsman Group and have never received any response. I have called and been told to call XXXX, my services but they direct me back to XXXX  XXXX XXXX XXXXXXXX. Now I cant get any help or response from anyone and calls to the Dept of Education end up with my call being disconnected. This has been going on for over 2 years now and I have gotten zero answers. My loans should have been forgiven awhile ago. I have done everything requested of me and nothing has happened. And now my payment counts dont even change anymore. It shows my balance in one area of the website but then tells me that I have no loans or grants. So which is it??? And when I call they tell me to call XXXX. What does XXXX have to do with the Federal Student Aid website??? This is just unbelievable.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I AM FILING A COMPLAINT BECAUSE MY CREDITOR IS REPORTING LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE AND NOT PROPERLY VERIFIED. I HAVE DISPUTED THIS DIRECTLY WITH THE CREDIT BUREAUS AND THE FURNISHER BUT THE LATE PAYMENTS REMAIN WITHOUT PROPER VALIDATION OR DOCUMENTATION UNDER 15 USC 1681 S2A A FURNISHER MUST REPORT ACCURATE INFORMATION UNDER 15 USC 1681 I THE CREDIT BUREAUS MUST PERFORM A REASONABLE INVESTIGATION WITHIN 30 DAYS NEITHER OF THEM HAVE PROVIDED SUFFICIENT EVIDENCE TO SUPPORT THE NEGATIVE REPORTING ACCOUNTS ARE AS FOLLOWS THATS REPORTING LATE 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 non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-04-08 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: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-08 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: MD

Complaint narrative:
Students loan that was paid off in XXXX of XXXX have recently been re-instated to be paid AGAIN. This action happened when the company switched to a new software provider. Loan for {$16000.00} was paid off on XX/XX/XXXX for the total of {$16000.00}. Loan was gone and everything was fine. Mohela then transferred to a new software system. Initially everything was fine and our one remaining loan was visible. A month later the paid off loan showed up, accruing interest, and now asking to be repaid. Called on XX/XX/XXXX and was told that they were looking into it. Called back on XX/XX/XXXX and was told that they see the payment and can see the error and the loan would be rebuilt and that loan removed but they have no timetable on when this will be done so the pushed all payments back to XX/XX/XXXX. Called XX/XX/XXXX was told we need to speak top a supervisor and was left on hold for 3 hours. Called back on XX/XX/XXXX, was told we need to speak to a supervisor and we gave a callback number. Was told that we would be contacted in 52 minutes. 180 minutes later we still haven't received the call. Callback received on XX/XX/XXXX and the loan is still being worked on the payments will be put off until XXXX and to call back then .... 

Called XX/XX/XXXX and all they did was push a forebearence forward ( which adversely affects our credit score! ) and gave me a supervisor reference number. 

Called back on XX/XX/XXXX and was told the rebuild was complete. Spent 5 hours on hold to get that information and was told that it will be taken care of by accounting in 3 to 5 business days. 

Caled back on XX/XX/XXXX when nothing had changed to the account, after a XXXX hour wait no one ever answered. 

Called back XX/XX/XXXX and was told it as still being processed and to call back in 2 moths. At this time, they told your company it as being taken care of, A LIE! So you closed the complaint against our better judgement. 

Called on XX/XX/XXXX when I started receiving emails asking me to pay the loan starting XXXX. Nothing had changed. The accounting department put in an email on XX/XX/XXXX saying they needed more info from the rebuild team but nothing has happened! The supervisor today told us that she sent a message to accounting again and call back on friday. 

We are anxiety ridden, frustrated and being strung along with no recourse!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
My PSLF Buyback request was originally submitted almost a year ago, and resubmitted multiple times since then. The US Department of Education has failed to process my PSLF buyback request in the timeframe THEY provided to me, causing delays with my student loan forgiveness. I have exceeded the required 120 payments to-date, however, this information is not accurately reflected and updated on their website. This has caused significant financial strain and damage in my life, and I am requesting that this form be processed and my account updated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXX XXXX  Account Number : 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 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I canceled my internet service with XXXX on XX/XX/year>. They gave me 30 days to return their XXXX XXXXXXXX device to them through XXXX. When I tried returning their XXXX XXXX XXXX XXXX did not accept the device and I let XXXX know. They said that they understood and that I didnt have to ship the device. I would not be charged any fees. Since then I have continued to receive late fees from XXXX and now a debt collection agency is asking me to pay over XXXX dollars in late fees. I have contacted XXXX multiple times explaining the situation and how to resolve it, and they never reached out or emailed a solution. My credit score has dropped XXXX points because of this. I think its unfair that I have to pay for a Companys mistake. Please help me resolve this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 A VICTIM OF IDENTITY THEFT THERE IS AN AUTO LEASE BEING REPORTED ON MY CREDIT FILE I SUBMITTED ALL THE APPROPRIATE DOCUMENTS SUPPORTING MY DISPUTE BUT THE BUREAUS ARE REFUSING TO REMOVE THE ACCOUNT FROM MY CREDIT FILE.

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