vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting XXXX XXXXXXXX Account To Whom It May Concern, I am writing to formally dispute inaccurate late payment information currently appearing on my credit report related to my XXXX XXXXXXXX account Number ending in XXXX XXXX The reported late payments for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX are incorrect. My account was under a COVID-19 payment protection or forbearance program during that time due to financial hardship caused by the pandemic. According to the CARES Act and guidance from the Consumer Financial Protection Bureau ( CFPB ), any account that was current when placed in a COVID-related accommodation should continue to be reported as current throughout the period of relief. 

Because my account was in good standing at the time the forbearance began, these late payments were reported in error and should be removed. 
Please investigate this matter and delete the inaccurate late payment entries from my credit report. I request a written response to this dispute within the 30-day timeframe provided under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: DC

Complaint narrative:
On Tuesday XX/XX/XXXX between the hours of XXXX my phone was stolen from a XXXXXXXX XXXX  on XXXX XXXX XXXX Washington DC.the phone was unlocked and as a result they had access to my cash app, and banking infoI call cash app that very same moment in order to secure my funds and putting a pause on the accountdue to what was done by these individuals on my app cash is now not releasing my cash back to me even after verifying my self in every way possible and satisfying their companies criteria .. still no resolutionit been 4 days nowgot an email for a manager asking me to do the very same verification that I have already done and passedit like am being taken around in cyclesnow they want me to like a bank account to the app .. never did that and am not doing that I need my funds restore to my app .. the old one or the new one I have a case number related to this XXXX : name : XXXX XXXX Cash app : XXXX XXXXXXXX ( acc in question ) Phone number XXXX ( associated with cash app lost acc ) Acc balance : ( XXXX XXXX ) Email associated with cash app Acc : XXXX I have tried to resolved this with no real successmy contact phone is XXXX Contact email : XXXX Your assistance in this matter will be greatly appreciated.. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
II am disputing Nelnets reporting of XXXX federal student loans as XXXX days delinquent in XX/XX/XXXX a report that caused my credit score to drop by more than XXXX points and severely impacted my financial standing. I was never notified by phone, email, or mail, despite Nelnet having my correct and current contact information on file, as listed on my Master Promissory Note. 

I submitted XXXX SAVE ( Income-Driven RepaymenXXXX ) applications in good faith in XXXX and XX/XX/XXXX and received no denial, no reminder, and no follow-up. In fact, my XXXX credit report still showed all accounts as Pays as Agreed as recently as XX/XX/XXXX. The only notification I received was after the damage to my credit had already occurred. 

During a phone call with Nelnet, a representative acknowledged both of my SAVE applications and confirmed that they use the email on the promissory note, which I received communications from the Department of Education but never Nelnet itself. She admitted that all notices had been placed in Nelnets internal portal which I did not have access to and that no communication was ever sent through email, phone, or physical mail, despite having the ability and obligation to do so. Also the only XXXX on the portal was the XXXX  day overdue, not time period check in or reminder at XXXX or 60 days. 

She further stated that she would file a dispute on my behalf, but could not provide a resolution timeline or assurance that any of the XXXX delinquency records would be corrected even though Nelnet had failed in its duty to notify me of my repayment status. I asked to have our discussion points outlined in an email and sent to me which I have not received. 

I acted responsibly. I tried twice to enter a repayment plan. The credit harm Ive suffered is the direct result of Nelnets internal communication failures, not borrower negligence. 

I am attaching a detailed report and supporting documentation that verify my statements and demonstrate that I made every reasonable effort to avoid delinquency. I respectfully request a full review of this case and the immediate removal of the inaccurate delinquencies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 2025-05-12 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On Friday, XX/XX/year>, my Apple card was blocked with an alert to contact support. Upon contacting support, they informed me that the cause was due to ' a notification of pending bankruptcy. ' The problem is, I never filed for bankruptcy. I, of course, checked my credit reports and nothing. It took me contacting support three times to tell me the source of this bankruptcy flag. 

The second time, an 'Apple Card Supervisor from Goldman Sachs Bank USA XXXX told me I had to wait until I received notification from the review, which could take up to 30 days, because, she explained " I don't have the information in from of me that's why its being reviewed. ' It wasn't until the third time I called that it was revealed that the flag was coming from the credit bureaus, which finally allowed to me know for sure that this was a massive error on Goldman Sachs part, and not something else such as identity theft. 

Goldman Sachs failed to exercise reasonable care in checking the information of my credit information by not complying to sections 616 and 617 of the Fair Credit Reporting Act. They made this decision without proper due diligence, at my expense. 

As of now, my account is still blocked and pending review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is a company that manages residential mortgage loans after they are originated by other lenders. It is a non-bank mortgage servicer, meaning they handle the servicing of loans for many different lenders and investors. XXXXXXXX XXXX XXXX is a residential mortgage servicing company that manages mortgage loans after they have been originated by lenders. Essentially, they act as a third-party administrator on behalf of the loan owner ( lender or investor ). 
Here 's a breakdown of what XXXX XXXX XXXX does : Payment Processing : They collect and process monthly mortgage payments from homeowners, in Customer Service : They provide customer support to homeowners for inquiries related to their mortgage, including payment information, account statements, and other loan-related questions. 

Loss Mitigation : If a homeowner faces financial difficulties and is at risk of default, Shellpoint works with them to explore options to avoid foreclosure. These options can include repayment plans, forbearance, loan modifications, short sales, or deed-in-lieu of foreclosure. They assign a single point of contact to help homeowners through this process. 
Document Management : XXXX provides homeowners with access to important mortgage-related documents, such as statements and tax forms ( like the XXXX mortgage interest statement ). 
Compliance : They ensure that their servicing practices comply with relevant federal and state regulations. 
Communication : XXXX communicates with homeowners regarding important aspects of their loan, such as payment changes, loan transfers, and options for assistance. 
In simpler terms, if XXXX is servicing your mortgage, they are the company you send your monthly payments to and who you contact if you have any questions about your loan. So our Question is Why Haven't XXXX XXXX XXXX XXXX answered our QWR because there is an was major concerns and not addressed before the Forclosure of the sold on XX/XX/year>? When I XXXX XXXX XXXX and spoke to personnel I was told only that they were calling to let Us know that they represented Bank of America.So when we sent out The QWR drafted by the XXXX XXXX XXXX why was it not answered in a timely which was and is Vital to the saving of our Property from an unlawful foreclosure.We so hereby contest and still have need of QWR.

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 2025-05-12 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:
According to 15 USC 16 92G. I've asked for a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. I've asked for debt validation for all accounts they are reporting, and the company has not provided this information.

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 2025-05-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account violates the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 4 ), which states that charge-offs must be removed after 7 years from the Date of First Delinquency ( DOFD ). The last payment on this XXXX XXXX XXXX account was made on XX/XX/XXXX, and no further payments or agreements have occurred since. This means the account should have been removed from my credit report by XX/XX/XXXX. Instead, it is still reporting a charge-off and was suspiciously updated with a green OK payment mark in XX/XX/XXXX, despite no payments or resolution. This appears to be a case of illegal re-aging, which misleads the credit scoring system and lenders. I am requesting this account be permanently removed from my credit report immediately in compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account violates the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 4 ), which states that charge-offs must be removed after 7 years from the Date of First Delinquency ( DOFD ). The last payment on this XXXX XXXX XXXX account was made on XX/XX/XXXX, and no further payments or agreements have occurred since. This means the account should have been removed from my credit report by XX/XX/XXXX. Instead, it is still reporting a charge-off and was suspiciously updated with a green OK payment mark in XX/XX/XXXX, despite no payments or resolution. This appears to be a case of illegal re-aging, which misleads the credit scoring system and lenders. I am requesting this account be permanently removed from my credit report immediately in compliance with federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account violates the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 4 ), which states that charge-offs must be removed after 7 years from the Date of First Delinquency ( DOFD ). The last payment on this XXXX XXXX XXXX account was made on XX/XX/XXXX, and no further payments or agreements have occurred since. This means the account should have been removed from my credit report by XX/XX/XXXX. Instead, it is still reporting a charge-off and was suspiciously updated with a green OK payment mark in XX/XX/XXXX, despite no payments or resolution. This appears to be a case of illegal re-aging, which misleads the credit scoring system and lenders. I am requesting this account be permanently removed from my credit report immediately in compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant XXXX and I urgently request that they be removed without delay.

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 2025-05-12 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: NV

Complaint narrative:
I havent taken out a loan I dont know why Im getting calls text emails about a XXXX loan and the people calling are leaving very nasty voicemails and when you do answer they are nasty saying get a job pay your bills or else! I contracted Experian and no one ever gets back to you and its annoying! But they keep calling

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 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report under 15 U.S.C., I am writing to dispute inaccurate information reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am requesting that you investigate the following item and remove or correct it : Please conduct a reasonable investigation and correct or delete this information within 30 days, as required by 15 U.S.C. 1681i. Also, please inform me in writing of the results of your Sincerely 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