vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-16 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:
We have XXXX retail store locations and XXXX seasonal stores that we use Square XXXX to run inventory management and credit card processing. Our fees for inventory management are {$63.00} per month for both retail store locations, which is {$120.00} coming out automatically from our business credit card account. We have used various email accounts for the seasonal store locations for mobile operators to use separate from the retail store locations. Due to the seasonal nature for the mobile accounts the email addresses and passwords are frequently changed. 

Unbeknownst to us, we are also being charged {$63.00} from our business bank account on each of the XXXX retail stores ( {$120.00} ) ; which we thought was for inventory management processing. Because the amount is the same, it slipped through our accounting and we have been overcharged for the last 2 years on services never rendered. We have made countless calls to square to investigate and to turn off remove/refund, and we have to wait XXXX hours for a representative. We were promised a call back XXXX hours, no one has contacted us and its been over a week. Our case number with square is XXXX. No one at square can explain these charges, it appears this was some type of service erroneously signed up for on an old email account we can not longer access. The error charges are as follows per our online banking acct XXXX {$63.00} XXXX, and acct XXXX {$63.00} XXXX XXXX, square can not explain these or shut these off. Please help! 








Each location has a unique email associated with the XXXX XXXX subscription. 

One of the seasonal stores was signed up with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.

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 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have student loans being serviced by MOHELA. I have been paying my loans down every month for many years, even when a payment wasn't due, always on the first of the month, in order to minimize the compounding interest. When I attempted to do so on XXXX XXXX, I was met with a message saying my account was still in transition to a new website. I checked back daily, only to receive the same message. I filed a complaint with the Federal Student Aid website, to which I have never received any response. 

When I was finally able to access my account on the new website roughly a week later, I found that my interest had not been paused. While this was frustrating, and I intended to try and address it, I tried to pay it off, just to slow the accrual. I found that the link to do so wasn't working, so I was unable to pay. The cycle started again, when I logged in every day to try and pay, and was unable to do so. I tried messaging them through their website, and received no response. 

I was finally able to get through to their customer service line on XX/XX/XXXX. When I explained the issue to the customer service agent, she informed me that MOHELA was aware of the issue, and that payment had been down for everyone for over a week, and would likely be down for at least another week while they tried to repair it. I asked if my interest was being compounded during this period. She stated that it was. I asked if those of us affected by their system 's issues would be refunded our interest, given that the fault was not on us. She stated that we would not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: LA

Complaint narrative:
I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however tradeline remains on 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 2024-03-16 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: NV

Complaint narrative:
Need info to show that your violations of the FDCPA will cease immediately Your assigned Debt rules and regulations for the state of Nevada Proof of purchase Proof of contract Privacy Notice Balance, payments, interest rates and payment history with an accounting ledger that shows everything has been documented according to FDCPA.

Proper service Full account disclosure of alleged debt Chain of custody How you verified this debt?

You refuse to remove this fraud from my account. I have provided all documentation to show this is fraud These accounts don't belong to me and I have no knowledge of these. 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 Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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  Account Number XXXX. 
Different variations of my name and addresses I don't have any knowledge of.

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 2024-03-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX were managed by XXXX. Those loans were paid and transferred to XXXX. Now, both XXXX loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with Experian twice and the company continues to list XXXX as open. I also included copies of the paid off account statement from XXXX 's website to Experian. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.

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 2024-03-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
The account with Nelnet has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, XXXX, XXXX ), disputes with Nelnet, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with Nelnet and it was reported the report on the credit file is accurate. The account with Nelnet has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, Transunion, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.

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 2024-03-16 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: FL

Complaint narrative:
The account with XXXX has been closed - paid in full since XX/XX/year>. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, XXXX, Equifax ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/year>. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full.

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( Experian, XXXX, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Jp Morgan-chase with their " totally free '' checking account, has an overdraft protection policy that is extremely flawed, it boasts about having XXXX of leeway but the moment you go over that they charge you {$36.00} per charge, none of those Charges were over {$36.00}? Too bad have {$200.00} debt, got an {$1.00} XXXX  bill? Oh buddy we are a bank with XXXX of dollars that's gon na be {$36.00} too, you thought it would be less then that because it was basically pocket change? No absolutely not, that {$1.00} is gon na bankrupt us give us money so we can stay afloat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 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: KY

Complaint narrative:
On XX/XX/2024 I submitted a dispute with Experian to provide in detail the method of verification and proof the accounts were verified along with proof of account ownership. The did NOT provide any information requested. They did reply with an updated credit report with no changes. The following accounts are not reporting accurately. 

XXXX. XXXX  XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXX acct # XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXXXXXX XXXX acct # XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX acct # XXXX... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXXXXXX XXXX acct XXXX XXXX ... DATE LAST ACTIVE is not reporting correctly. XXXX. XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy DATE OF DISCHARGE is not reporting correctly. 

Please delete these accounts from my credit report as they have been reported inaccurately and have caused considerable harm.

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 2024-03-16 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:
I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.

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 2024-03-16 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:
I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello Consumer Financial Protection Bureau The credit bureaus, Experian and XXXX, have been updating the last date of activity on the account and this is a violation and fraud. Can you please investigate this matter? 

Thank You

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 2024-03-16 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exerter finance, has violated my rights, 15 usc1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my rotten instructions.

15 usc 1666B : A creditor may not treat a payment on an account under an open end consumer as late for and purpose.

Company response to consumer: Closed with explanation