vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: MS

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Servicers ) Credit Bureaus Involved : Equifax, XXXX, and XXXX XXXX Account XXXX : XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX with Inaccurate Reporting Account Ending in XXXX Reported Balance : {$8800.00} Last Payment Date : XX/XX/XXXX Issue : Incorrectly reported as active and delinquent despite being in forbearance. 
Account Ending in XXXX Reported Balance : {$2100.00} Last Payment Date : XX/XX/XXXX Issue : Incorrect late payment reporting despite CARES Act protections. 
Account Ending in XXXX Reported Balance : {$1500.00} Last Payment Date : XX/XX/XXXX Issue : Erroneous late payment reporting during XXXX forbearance period. 
Account Ending in XXXX Reported Balance : {$3400.00} Last Payment Date : XX/XX/XXXX Issue : Incorrect delinquency reporting in violation of CARES Act protections. 
Complaint Summary I am filing this complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX and XXXX, as well as Equifax, XXXX, and XXXX, for improperly reporting late payments on my federally owned student loans during the XXXX forbearance period, in violation of the CARES Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 

Despite federal protections, late payments were reported on multiple XXXX and XXXX student loan accounts between XX/XX/XXXX and XX/XX/XXXX, negatively affecting my credit score. 

Issue Details CARES Act Violation : Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ), all federally owned student loans were placed in automatic administrative forbearance from XX/XX/XXXX, through XX/XX/XXXX, with 0 % interest and no payments required. 
No late payments should have been reported during this period. 
FCRA Violation : The FCRA ( 15 U.S.C. 1681 ) requires credit reporting agencies and loan servicers to ensure the accuracy of information reported on consumer credit files. 
XXXX and XXXX failed to report accurate information, leading to unjustified negative marks on my credit report. 
Harm Caused : These false late payments have severely impacted my credit score, affecting my ability to : Secure loans or credit cards. 
Obtain favorable interest rates. 
Maintain financial stability. 
Requested Resolution I request that : All incorrect late payment records for my XXXX and XXXX student loan accounts during the XXXX forbearance period ( XX/XX/XXXX XX/XX/XXXX ) be removed immediately. 
My credit report be corrected with all three credit bureaus ( Equifax, XXXX, and XXXX ) to reflect accurate payment history. 
XXXX and XXXX provided a written confirmation stating that my credit report has been updated and all erroneous late payments removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX of 2023 I acquired an account with KICKOFF LENDING XXXX under the impression the company would boost my credit score as advertised. When I did acquire the account the advised me that they would not affect or report any negative remarks on my credit. Now that I closed the account due to the fact the nature or use of the card was not disclosed properly nor concisely. Kickoff blackmailed me into keeping the account open beyond my control by stating they would report negative information on my credit. Now my credit score has dropped drastically and Its affecting my livelihood daily due to the false reporting from KICKOFF LENDING LLC. Due to fact the company never lended nor did borrow or utilize any credit on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
A letter was sent on XX/XX/year>, to my parent 's address in Florida from a debt collection company named XXXX XXXX XXXX, XXXX. I've lived in Virginia for over 3 years, so I immediately got concerned. I called the company on XX/XX/year>, at XXXX XXXX. to ask for information and sent through mail, email, and a recorder line asking for a dispute and validation of such a claim, which is within my right as for the 15. U.S. Code 1692g, I ask for the following : The creditors name and address who is currently requesting payment The original creditors name and address ( if different from above ) The amount owed Documentation that proves there is a legitimate reason you think I owe the debt i.e. a copy of the original contract.

The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees An itemized list of any payment since the most recent billing statement They told me that a letter would be sent to my Virginia address within 30 days of the dispute ( XX/XX/year> ). It has been 33 days and I haven't received any information, I then proceeded to send a certified mailed letter with the following on the subject and asked for a deletion letter as well and let know that I would be sending a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still XXXXwns this debt, they must provide full validation immediately. 
If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active. 
Their misleading reporting is harming my ability to obtain a loan and causing financial distress.

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 2025-01-30 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: TX

Complaint narrative:
I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still owns this debt, they must provide full validation immediately. 
If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active. 
Their misleading reporting is harming my ability to obtain a loan and causing financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still owns this debt, they must provide full validation immediately.

If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active.

Their misleading reporting is harming my ability to obtain a loan and causing financial distress.

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 2025-01-30 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: NY

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 non-monetary relief
Consumer complaint received 2025-01-30 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: NY

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 2025-01-30 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-01-30 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-01-30 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-30 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: KY

Complaint narrative:
Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against TransUnion regarding fraudulent accounts and inquiries on my credit report. These accounts were added due to identity theft, and I have provided the necessary documentation under FCRA 1681c-2, including my FTC Identity Theft Report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) TransUnion is required to block fraudulent accounts within 4 business days of receiving an FTC Identity Theft Report. 

The following accounts remain on my credit report despite my disputes. 



2. Failure to Properly Investigate ( FCRA 1681s-2 ) TransUnion must conduct a reasonable investigation under federal law. The presence of fraudulent accounts suggests non-compliance. 




Fraudulent Accounts on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I attended XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX and later on XXXX XXXXXXXX XXXX from XXXX where I took out loans. The XXXXXXXX XXXX XXXX loans were signed off by me at XXXX and me alone. I did not really understand the process. Unbeknown to me my parents took out additional loans in my name that were not used for college. I found this out years later and as everything was signed by me I have no concrete proof as to which loans they were. 

I began working in education in XXXX and am still employed in an academic setting. I began the PSLF process in XXXX and was expecting to receive full credit for my years of service from XXXX. I was told various reasons as to why many months were not being credited including working as an adjunct instructor part-time. None of my part-time work counts. That includes XXXX XXXX XXXX From XXXX onwards I worked full-time but still did not receive credit because I was in school for three years getting a XXXX XXXX  or because I could not afford a full payment when I was making payments so those months did not count. 

I believe that as of XX/XX/XXXX I had put in my 10 years of service to the community and should receive credit for that work. After having to re-consolidate loans to qualify for PSLF because I was in bankruptcy from XXXX I have been told that I am now going to be paying on all my loans for the next 30 years. 

It's disheartening that I am doing what I was told to do and seem to continually be penalized by MOHELA at every turn. I really would like these loans forgiven. 

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 2025-01-30 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 an 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 2025-01-30 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: NC

Complaint narrative:
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 2025-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation