vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Request- Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this theft : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX CO XXXX {$980.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX AUTO FIN Date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXX CAP XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed BBY/CBNA XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed NSTAR/COOPER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} XXXX XXXX THD/CBNA XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX AM XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WA

Complaint narrative:
i have discovered a fraudulent account on my report from XXXX XXXX XXXX I with the account number XXXX, opened on XX/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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
So I made the qualifying XXXX payments toward my XXXX XXXX XXXX XXXX program and completed that in XXXX, though it was not processed by MOHELA until XX/XX/XXXX. I spoke to someone at MOHELA soon after and they stated that it could take up to 90 days to process the refund and that the refund would be coming from the Department of Treasury. It has now been over two months later so I called the Treasury this morning to see if they could give me an update and the agent there told me they still haven't received anything from MOHELA on their end. I am now back on the phone with MOHELA, have been for over an hour ( after waiting XXXX hours to get a call back from them to begin with ) and they are absolutely giving me the run around, saying that the processing of my refund is basically in limbo, that they can't give a date as to when the refund info was sent or would be send to the Treasury, nor could they even ensure me that what is shown as the total refund on their website is actually what I would be refunded, even though their own site says the amount exactly. The last person I talked to, a supervisor, said she would escalate my request for refund, and I asked her to send me some confirmation of this. We will see if I actually receive anything. As of right now I'm owed a refund of {$14000.00} so I'm not going to just let this go. I will call as many times as I need to. But this is absolutely ridiculous how much effort it's taking just to get my own money back, because you know the IRS would be getting their money from me if the roles were reversed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am writing to file a complaint regarding an unresolved dispute on my credit report. I have been impacted by multiple data breaches, and after reviewing my credit reports from all three major credit bureaus ( XXXX, Experian, and XXXX ), I noticed several inaccuracies, including addresses where I have never resided and collection accounts I do not recognize. 

Despite my efforts to dispute these discrepancies multiple times, including submitting disputes directly to the credit bureaus and providing supporting documentation, the incorrect information has not been removed or resolved. I have made multiple attempts to correct this issue, but no changes have been made, and the errors remain on my credit report. 

Specifically : I noticed incorrect addresses that I have never resided at. 
There are collection accounts listed that I do not recognize and believe are fraudulent. 
My disputes have not been fully investigated, nor have I received any meaningful responses or resolutions from the credit bureaus. 
I have complied with all requirements for submitting disputes, yet the credit bureaus have failed to resolve the inaccuracies, and the information continues to adversely affect my XXXX XXXX and overall financial health. 

I have attached supporting documents, including dispute submission confirmation, communication logs, and a copy of my credit report showing the inaccuracies. These documents are available upon request.

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 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
This is a follow up complaint to XXXX. 
TCS continues to call my work number, despite being told not to by phone and even after receiving that prior complaint listed above. 

I received a call XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-21 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 account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-21 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: IL

Complaint narrative:
I have student debt that I took on under the belief that it would be forgiven after working in public service and making income baed loan payments for at least a decade, under the XXXX XXXX XXXX XXXX ( PSLF ) program. Throughout the past few years, things have been changing with payment plans. I was on the Pay As You Earn ( XXXX ) plan for many years, and then when the new Saving on a XXXX XXXX ( XXXX ) plan was rolled out last year, I was convinced to switch to it. However, it is currently held up in the courts, and so none of the past several months have been counting toward my XXXX forgiveness ; even if I forced myself off forbearance and made payments, they would not count toward forgiveness, and so there is no reason or incentive to make payments. However, I would very much like to continue to have months count toward forgiveness, and I would love to switch back to the XXXX plan that I was previously on for many years. I am happy to make the payments that are calculated based on my income, but instead I have been stuck in limbo for months with no power to move forward. 

Applications to switch back to XXXX were closed for several months, then reopened on XX/XX/XXXX. I applied that week to switch back to XXXX, and my application is still processing. On XX/XX/XXXX, the Department of Education sent me an email stating that borrowers whose applications take longer than XXXX business days to process will be switched into a XXXX  day processing forbearance that would also count toward XXXX. It has been well over XXXX business days since I applied, and I have received no word from my loan servicer, Mohela, about my application. I would like to be switched onto the XXXX plan, and in the mean time, I would like to be in the correct processing forbearance instead of the administrative forbearance I am currently stuck in that does not count toward PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concern regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and was unfeasible. The CFPB XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the debt associated with account number XXXX, which you have reported as a balance of {$450.00} for XXXX. I do not recognize this debt and have no contractual agreement with your company regarding this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ), I am requesting that you : 1. Provide validation of this debt, including a copy of the original contract bearing my signature and a full accounting of the debt.

2. Identify the original creditor and provide any documentation that substantiates your claim.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681i ), you are required to ensure the accuracy of the information you report to credit bureaus. Without proper validation, this debt must not be reported on my credit file, and any current reporting should be removed immediately. 

Please understand that if this debt is not validated, any continued collection efforts will be a violation of both the FDCPA and FCRA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

This matter is time-sensitive, and I request your written response within 30 days of receiving this letter. Failure to comply with my request will prompt me to pursue further actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX had a massive data breech, and my information was compromised. Capital One was one of the credit card companies that my identity profile was used at. I filed a police report, and contacted Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your 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 2025-01-21 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: PA

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your reference.

Company response to consumer: Closed with explanation