vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: VA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX : account number : XXXX : account name : XXXX : account number XXXX : account name : XXXX : account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
Kindly remove and block the unauthorized accounts on my credit report at your earliest convenience. I did not authorize these accounts and have no knowledge of their origins. As per USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-03-08 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: UT

Complaint narrative:
Im reaching out because Ive noticed an account on my credit report that was opened without my consent. This is a case of unauthorized and fraudulent use of my identity, and I need it taken care of 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I received a notification from my bank that an inquiry had been conducted on my credit report. I checked and it appeared that a credit pull had been conducted for a Capital One Cabelas Club Card. I had not submitted an application nor had I done business with the any Capital One entity. I called Cabelas customer support and was able to report the application as fraudulent with their credit division. They assured me they would pull the application and report the inquiry as fraudulent to the credit bureaus. I was also directed to fill out a victim statement, which is what I am attempting to complete through this complaint. I also placed my credit report on initial fraud alert through XXXX to prevent any further identification fraud regarding my credit. 

Cabelas CLUB division was very helpful and I have no reason to believe they will not remediate my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Application for Auto loan was made on XX/XX/year>. 
I never received a notice of denial of credit. 
Social Security ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to formally dispute the lack of response from Experian regarding my previous dispute letters and to request immediate action in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX and TransUnion. 

As a consumer, I am entitled to a fair and prompt resolution when disputing charges or issues related to my account, as outlined by the Fair Credit Reporting Act ( FCRA ). Unfortunately, despite submitting multiple dispute letters, I have not received any acknowledgment, response, or resolution to my concerns from XXXX or TransUnion. This lack of response is a violation of both my rights under the FCRA and the regulations enforced by the CFPB. 

In accordance with the CFPBs recent legal action against Experian and TransUnion for failure to properly handle consumer disputes, I request that XXXX immediately investigate my dispute, correct any errors, and provide a response to my concerns within the timeframes required by law. I am requesting that you : Provide confirmation of receipt of this dispute letter. 
Investigate and resolve the dispute promptly. 
Send me a written response detailing the outcome of your investigation and any actions taken. 
Please consider this my formal notice of non-compliance with applicable consumer protection laws. If I do not receive a timely resolution to this matter, I will have no choice but to pursue further action, including filing a complaint with the CFPB and seeking legal recourse for any damages incurred as a result of this failure. 

I look forward to your prompt attention to this matter and expect to hear from you within the statutory time limits outlined in the FCRA. XXXX ) XXXX XXXX XXXX XXXX XXXX- Not my account fraudulent inquiry. 
XXXX ) XXXX XXXX XXXX XXXX Not my account fraudulent inquiry XXXX ) XXXX XXXX XX/XX/year> fraudulent inquiry.

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 2025-03-08 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Complaint Regarding accurate information missing from my Credit Report " To Whom this may concern, I am writing to formally dispute inaccuracies related to my credit report that involve First Progress Card. According to Section 609 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a clear and accurate disclosure of all information in my consumer file. I believe that XXXX XXXX XXXX has failed to comply with their obligations under the FCRA, specifically Section 1681s-2, by not reporting accurate and complete information to the credit reporting agencies ( CRAs ). 

I have attached screenshots that demonstrate XXXX XXXX XXXX 's involvement in my credit history. Additionally, I have included screenshots showing that Experian claims to have verified and updated my credit report ; however, this information is not reflected in my current credit report. This indicates a failure to uphold the accuracy and integrity of the information provided, in violation of the FCRA. 

Under the FCRA, furnishers are required to investigate disputes and correct any inaccuracies. I request that you investigate this matter promptly and provide me with a written response regarding the findings of your investigation. 

Please find attached the relevant screenshots for your review. I appreciate your immediate attention to this matter, and I look forward to resolving these inaccuracies on my credit report. 

Thank you for your cooperation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
Im writing because Ive noticed an issue with the information reported on my credit report thats not in line with FCRA guidelines. The accuracy of this item is clearly compromised, and its affecting my credit in a way that it shouldnt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

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 2025-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: SC

Complaint narrative:
I agreed to co signing for an educational loan for my XXXX  when I was XXXX XXXX XXXX this was in XXXX of XXXX. She took my personal information and took out XXXX additional loans without my permission while she was attending XXXX XXXX  in XXXX XXXX, XXXX. I was not aware of her doing that until the other educational loan company, XXXX XXXX called me about payment in XXXX of XXXX. I was paying on a loan for over XXXX  years with XXXX that I thought was what I signed for but learned it was not. I request for XXXX who is now being serviced by XXXX to give me a copy of the the promissory note and a XXXX XXXX for the XXXX promissory notes. I did the identity theft pact, a police report, freeze my credit, also did a report with the federal trade about identity and sent in to the XXXX educational private loan along with my signatures to each private educational loan. XXXX removed me as a co- signer on XXXX loans and also XXXX the loan that I originally signed with them, however Navient private loans refused to remove me and said they felt the signature were similar, but the signatures were not. I have all the paperwork that will show this too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I am on an income-based repayment plan for my loans. MOHELA is my loan servicer. 

I am on the IBR plan, which requires yearly income recertification or else I get kicked off the IBR plan. If I get kicked off the IBR plan, the interest immediately capitalizes as required by statute. MOHELA told me that my recertification date is XX/XX/XXXX and that, if I don't re-certify, I'll be kicked off IBR and onto the standard repayment plan. The interest will then immediately capitalize on my loan balance because Congress required that in the statute passing IBR in XXXX 

However, after telling me that I have to re-certify before XX/XX/XXXXXXXX MOHELA told me they can not and will not process my recertification paperwork due to direction from the Dept of Education. So, I am being simultaneously told to re-certify or I'll be kicked off my IBR plan, and also that they will not process my recertification paperwork before the due date. They will not allow me to do the one thing that I have to do to stay on the IBR plan. This violates the contractual terms and conditions of the Master Promissory Note that I signed when I took out my federal student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2025-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
My prior complaint XXXX, has yet to be resolved. ( see supporting documents ) In addition, new complaints : In XXXXXXXX XXXX XXXX, Mohela changed my 0 % administrative forbearance to an interest-accruing processing forbearance ( see letter below ), despite no ongoing application being processed. 

This processing forbearance has continued despite being ongoing for longer than 60 days, and a letter from Mohela stating that I should be placed in a 0 % interest forbearance ( see attached letter ). 

The interest that accrued on my account between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX was greatly in excess of my typical 6 % interest. 

I have called several times ( Mohela case numbers XXXX & XXXX ), without resolution, often being told that an " escalation '' or " accounting review '' was submitted multiple times. Subsequent customer support representatives have been unable to see this escalations or accounting reviews, indicating that they may not be taking place.

Call wait times for Mohela exceed three hours, and often when transferred to customer support representative, the call is dropped. In my prior CFPB complaint, a phone call for an advanced representative was provided which does not work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a formal complaint against LVNV Funding and its affiliate, XXXX XXXX, regarding the repossession of my vehicle and the subsequent damages caused during the process. When my vehicle was repossessed, it sustained significant damage that was not present before the repossession. Upon discovering the damage, I immediately reported the issue to LVNV Funding, requesting that they take responsibility for the damages and either repair the vehicle or provide compensation for the damage incurred. However, I was told that it was not their responsibility to address the issue, and they have refused to acknowledge or address the damages, despite my repeated attempts to resolve the matter. 

This refusal to take responsibility for the damage caused during the repossession is completely unacceptable. It is a clear failure on their part to properly handle the repossession process, and their response has caused me significant financial and emotional hardship. Not only has LVNV Funding failed to take responsibility for the damages, but their dismissive response further exacerbates the situation, leaving me with a damaged vehicle and no recourse to fix it. I am requesting that LVNV Funding immediately take responsibility for the damages, repair the vehicle to its original condition, or provide compensation for the damage caused. 

If this matter is not resolved promptly, I will be forced to take further legal action, including reporting the issue to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state authorities. I also expect LVNV Funding to take immediate corrective actions to ensure that such damages are not caused to other consumers in the future and that repossessions are handled with the care and responsibility required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AL

Complaint narrative:
First and foremost, the CFPB prohibits reporting medical debt to a consumer credit report. 

Additionally, the recent adjustment you made in response to my last dispute only reflects a change in the balance date, indicating thorough review of the underlying issue was not conducted I am writing to formally dispute the reporting of the above-referenced account, which I have previously disputed. I continue to contend that the debt being reported is not valid and request that you remove it from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim. It is clear that the dispute I raised regarding this account was not investigated thoroughly or accurately by your agency.

Furthermore, the FCRA Section 1681i mandates that if an item is disputed and can not be verified, it must be removed from the credit report. Given that you did not verify this debt and ONLY updated the account date of last reporting, you have failed to comply with these legal requirements by re-reporting this account as verified when no evidence of the debt exists.

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Money was taken from my account multiple times and wouldnt let me get a hold of anyone always just AI person talks never got any response or money back took bill money from me and thats not ok with how hard times are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was using XXXX with no problem, didnt violate any terms of service, and all of a sudden they froze my account, and requested statements from my bank, proving that the linked account to XXXX was mine. I provided it about XXXX times literally. And they kept saying the same thing over and over and over. They wanted me to keep sending the proof. Its only XXXX $ in my account, but Im not rich. I live paycheck to paycheck. Theyve held that money on me for months, when I couldve really used it. Its MY money, this is literally a crime. Theyre stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
They falsified my lease I only signed a 6 month lease.

Company response to consumer: Closed with explanation