vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, Jefferson Capital Systems reported a collection account on my credit report for {$3200.00} related to a XXXX bill that I do not owe. I have been an XXXX customer for over 7 years for both internet and cell phone services and have never had a XXXX account. 

I previously disputed this alleged XXXX debt and filed a complaint with the CFPB, which resulted in XXXX removing the collection account from my credit report after confirming the debt was invalid. 

Despite this resolution, Jefferson Capital Systems has now reported the same invalid debt as a new collection without providing any prior notice, violating the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to notify consumers before reporting negative information to credit bureaus. 

The new collection account indicates it will remain on my credit report until XX/XX/XXXX, causing harm to my credit profile for a debt I do not owe and have already had successfully removed. 

I am requesting the immediate removal of this inaccurate collection from my credit report and that Jefferson Capital Systems cease any further reporting of this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within XXXX days. Enclosed are the necessary documents for your review and reference.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I asked the company to provide me with originally signed contract and section where and how i breached the contract XXXX times

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Experian 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 Experian, 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 align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-21 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: GA

Complaint narrative:
Experian 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 Experian, 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 align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I've called multiple times to ask for updates or any information.about refund and was told there wasn't any or they couldn't find any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, equifax, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card accounts and personal loan. Due to the data breach from XXXX and identity theft which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account XXXX XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, equifax, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card accounts and personal loan. Due to the data breach from XXXX and identity theft which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account XXXX XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

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 2025-02-21 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: CITIBANK, N.A.
State: TN

Complaint narrative:
The companys response does not address my specific complaint. When they were still the account holder, I requested verification of the debt, including a copy of the original contract with my wet signature. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), they were required to ensure the accuracy of the information they reported, yet they failed to provide any documentation proving the validity of the debt.

Additionally, under 15 U.S.C. 1681b and 15 U.S.C. 1681g, I have a right to request and receive supporting documentation for any reported account. Their failure to provide this before transferring the account means they did not meet their legal obligations while they were the furnisher of information. Their claim that they are no longer the creditor does not absolve them of their previous failure to verify the debt when requested.

Because they did not validate the debt while they were the account holder, the reporting of this account is inaccurate and unverifiable under the FCRA. I request that this item be removed from my credit report immediately.

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 2025-02-21 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: TX

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I am a part of the XXXXXXXX XXXX XXXXXXXX lawsuit settlement. My loans were finally discharged & they were removed from my credit report, but I have not received an accurate accounting of the refund I am due under the settlement. The amount I was given was around $ XXXX, but according to my paperwork and receipts, should be closer to $ XXXX. 

I have called multiple times trying to get an answer. Mohela says it is FSAs job, FSA says call the servicers- Mohela XXXX XXXX XXXX who Ive never worked with ) & Aidvantage. Then they all send me back to FSA. This is getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
First box 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 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In XX/XX/XXXX I purchased my home via a conventional loan with an escrow that included a homeowner 's insurance policy with XXXX XXXX XXXX XXXX XXXX Texas at a yearly {$1400.00} premium at closing. Back in XXXX, the premium increased {$900.00} ( {$2300.00} ) and in XXXX it increased to {$2400.00} without any claims filed, causing an escrow shortage of {$300.00} in XXXX and {$740.00} in XXXX -- altogether {$100.00} increase in monthly mortgage payment. I just discovered online that this company is in XXXX. There was no notice that this insurance company was in liquidation. As a homeowner, I can not manage another unjustified increase in premium and am not able to find another homeowner 's policy that is comparable to my initial {$1400.00} premium. I am not sure what is going on and need assistance. Wells Fargo is the mortgage lender.

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 2025-02-21 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, equifax, and Experian delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card accounts and personal loan. Due to the data breach from XXXX and identity theft which also caused my information to be exposed. 

The following are accounts that are fraudulent XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX account number XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. 

XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX. 

XXXX XXXX XXXX  account XXXX XXXX opened on XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app XXXX  was stolen from me Right before XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX Av XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, 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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I have never used XXXX before from XX/XX/year> to XX/XX/year>. I have been using XXXX from that period they stated. XXXX on the line with my identity lost company called identity force inquired they had no record on me from XXXX but this debt collector insist they do. This is fraud from their end. 
I will like to know who installed that services what time the person came to my house. Name and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The addresses and names are not my correct information. Per FCRA 15 USC 1681 credit reporting agencies must report correct and accurate information. 

I have asked several times for XXXX to update my correct name and address on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
The addresses and names are not my correct information. Per FCRA XXXX XXXX XXXX credit reporting agencies must report correct and accurate information. 

I have asked several times for XXXX to update my correct name and address on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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 ( 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 2025-02-21 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:
The addresses and names are not my correct information. Per FCRA 15 USC 1681 credit reporting agencies must report correct and accurate information. 

I have asked several times for Experian to update my correct name and address on my credit profile.

Company response to consumer: Closed with explanation