vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank unlawfully trying to take possession of XXXX XXXX through forced foreclosure and other unlawful means. Location : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have tried to reach out and I sit on hold for hours only to be disconnected or put on other holds. It makes it impossible to get anything done in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The program I enrolled in was the medical assistant program, which was eight months of XXXX  and two months of XXXX. The school closed down at the end of the program. There was no warning no mail or no email. I came in XXXX day and they said that this will be the last day in the school will be going out of business due to them, closing multiple schools. I did not get my graduation nor did I finish my program. I dont think its fair that I have to pay off a loan for a program. I didnt complete or for a program that I didnt get to get my certification. I have been doing research for a while to see what I can do to get this off of my credit as well as get the loan forgiven, so I decided to come here in hopes that someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
When I checked my credit report this morning, I was surprised to find inaccurate accounts listed, and I have no clue how they ended up there. I regularly monitor my credit, and this is the first time Ive encountered such inconsistencies. I even tried refreshing my browser to see if it was an error, but the accounts remained. Due to this issue, I request that the documents Ive submitted be carefully reviewed so I can have peace of mind moving forward.

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 2025-01-31 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 requested that XXXX and to XXXX to remove fraudulent inquiries off my credit report they rejected my request. Told me to call the creditors thats not my job these are fraudulent inquiries I request they be removed all documentation has been sent many times and yet these inquiries still remain. Both Transunion and XXXX will not apply to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I completed a settlement agreement with the company and was to make three payments, which I completed. The information on my credit report is not correct and it still looks like I owe a balance. They told me that once the payments were made the account balance would be updated. I requested that they update it and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX completed on XX/XX/XXXX Amount {$220.00} still on credit XXXX XXXX  completed on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$510.00} Securitycred XX/XX/XXXX Amount {$460.00} XXXX XXXX XXXX XX/XX/XXXX Amount {$380.00} Macys XX/XX/XXXX Amount {$430.00} Address need to removed from my credit as well every last one of them dont everybody getting in trouble Im tired of being harassed and stalked by these different people who could be pretending

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 2025-01-31 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-31 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-31 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: IL

Complaint narrative:
I keep getting they cannot verify my identity even though I sent in all proper documents to prove my identity including my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 process 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX : Account numbers XXXX, XXXX, XXXX XXXX XXXX last XXXX ss # XXXX Dear Equifax I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
6. Forward flow agreement 7. Insurance claim with a wet signature Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have unauthorized inquires on my XXXX credit report on XX/XX/year>! I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding the **unlawful repossession** of my XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ** by XXXX XXXX and XXXX XXXX XXXX, in violation of federal and state consumer protection laws. 

# # # **Incident Summary** On XXXX XXXX, XXXX, my vehicle was **wrongfully repossessed** from the **XXXX parking lot in XXXX, XXXX XXXX, while I was **inside the store**. I was **not notified** of the repossession beforehand, and I only learned about it from bystanders after the vehicle was taken. 

The repossession was conducted by **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ** at the direction of XXXX XXXX XXXX Despite multiple attempts to obtain clarification and documentation regarding the repossession, both entities have **refused to provide a written explanation**, failed to show proof of the required **Notice of Default and Intent to Repossess**, and have denied me a fair opportunity to reinstate my loan. 

# # # **Impact of the Unlawful Repossession** This repossession has caused **severe hardship** due to my **medical condition, disability status, and financial obligations** : - **Medical Needs : ** I recently **XXXX XXXXXXXX XXXX** and require ongoing medical care. The vehicle is essential for my **doctors appointments, treatments, and therapy sessions**. 
- **Disability Protections ( XXXX Violation ) : ** I suffer from *XXXX XXXXXXXX, and XXXX XXXX ( XXXX ) **, which qualify as XXXX under the **Americans with Disabilities Act ( ADA ). ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also ADA-protected** and rely on the vehicle for medical and daily living needs. XXXX XXXX failed to offer a **reasonable accommodation** before proceeding with repossession. 
- **Employment Impact : ** I recently secured a **new job** and **depend on the vehicle for transportation** to work. The repossession has jeopardized my ability to fulfill my job responsibilities and maintain financial stability. 
- **Lack of Due Process : ** XXXX XXXX XXXX*never provided a legally required Notice of Default or Intent to Repossess**, which violates my rights under consumer protection laws. 

Conclusion This repossession was **conducted without proper notice, in violation of consumer protection and disability rights laws**, and has caused **significant harm** to my health, employment, and family. I request that the CFPB **intervene immediately** to prevent further damage and ensure that my legal rights are upheld. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

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 2025-01-31 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:
To whom it may concern, Im reaching out because Equifax, Experian, and Transunion is helping XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account name : XXXX  XXXX XXXX  Account # : XXXX The listed account was CHARGED OFF in XX/XX/2022. This account has since been updating as XXXX every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

Please remove the following account immediately : Account name : XXXX XXXX XXXX Account # : XXXX Thank you, 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 2025-01-31 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I have been in the XXXX plan and on administrative forebearance since XXXX of XXXX ; however, Mohela shows that interest has been accruing even though no interest is supposed to accrue during this time. There are also no payments due and Mohela is stating that I have payment due on XX/XX/XXXX. I should not have been accruing any interest nor should there be any payments due. I have tried to reach out to Mohela, but they state there is a XXXX hour wait time. They are very difficult to reach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filling an XXXX report, Under the FCRA laws my information, my information was exposed in the data breach, I am filing a complaint TO GET EVERYTHING REMOVED off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXXXXXX - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - {$830.00} XXXX XXXX - XXXX - {$910.00} Chapter XXXX Bankruptcy - XXXX These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Florida, XXXX. 


XXXX. Wrong Date of Birth : XXXX  My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers XXXX : NONE My employers is XXXX XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Bank of America for deceptive lending practices that have harmed my business. In XXXX, we refinanced {$3.00} XXXX in practice loans with the promise of receiving a line of credit in XXXX for up to 65 % of our revenue. Now, Bank of America refuses to honor this agreement. 

Our business banker, XXXX XXXX, repeatedly misled us : We were promised a XXXX loan, which was later reduced to XXXX years. 
The refinance amount changed on signing day, leaving us no choice but to accept. 
XXXX accidentally sent us a profane text message about our requests. 
After months of discussions, he still referred to our business incorrectly. 
We chose Bank of America based on false assurances. Had we known they would move the goalposts, we would have sought other lenders. Instead, we made business decisions based on a promised line of credit, only to be left in financial uncertainty. 

Despite months of communication with XXXX, XXXX XXXX, XXXX XXXX, and others, we were repeatedly misled and given false hope. This has been a bait-and-switch experience, and I urge the CFPB to investigate. 

Please advise on the next steps.

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