vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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:
MOHELA continues to try and take advantage of its consumers. This is extremely frustrating. 

XX/XX/XXXX - XX/XX/XXXX : Severe payment misplacement issue with MOHELA. I contacted them repeatedly through emails and phone calls. Nothing is done about my incorrect payment. Eventually, I submitted a complaint to the CFPB. I'm notified that MOHELA needs to " do more research '' to resolve this issue, and is still working on it. I checked my MOHELA account XX/XX/XXXX and nothing has been resolved yet. 

XX/XX/XXXX ( today ) : I check my MOHELA account and the loan has been completely removed from my account. Instead, a {$16.00} payment has been shown as " processed '' for my account. They just keep taking shortcuts. 

I went to check the status of my other loans, and I saw a {$5000.00} loan on my account that I never took out. I sent them an email through their website 's inbox system about it. 

After a lot of concern over this {$5000.00} loan that I never took out, I realized that they weren't charging me extra, but taking a shortcut to my detriment. Instead of creating a new loan in the system, they combined my Fall XXXX {$2500.00} loan with my XXXX XXXX {$2500.00} loan. This wouldn't be an issue, but that means the XXXX XXXX loan has a disbursement date that is 3 months earlier, and means I'll have to pay it off much earlier, which I can't afford. They've also listed the loan as already accruing $ XXXX of interest, which is not true, because that second {$2500.00} was added on later. 

TL ; DR : MOHELA has continuously caused problems for me. Now, they've taken a shortcut by combining one of my new loans into an old loan, and falsely increasing the amount of interest accrued on the old one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: AZ

Complaint narrative:
To : Credit Reporting Agencies Subject : Request for Deletion of Unverified XXXX XXXXXXXX XXXX Account Dear Credit Reporting Agencies , I am writing to formally request the removal of a XXXX XXXX XXXX  XXXXlosed account with a reported balance of {$0.00} from my credit file. I previously disputed this account with XXXX, and after their investigation, the account was deleted from my XXXX report on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Since XXXX has completely deleted this account, it is evident that the account could not be verified. Therefore, you are legally obligated to remove it as well. 

Additionally, FCRA XXXX grants me the right to request proper verification of any account appearing on my credit report. If your agency can not verify this account within 30 days, as mandated by FCRA 611 ( a ) ( 5 ) ( A ), you must delete the unverifiable account from my report.

If this account is not removed within the legally required timeframe, I will take appropriate action under FCRA 616 and 617, which grant me the right to pursue legal remedies for willful or negligent noncompliance. Furthermore, I will escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. This serves as my final request before pursuing further action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution and requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX XXXX out of state charges were fraudulently charged on my credit card ending in XXXX the three separate charges amounted to almost {$10000.00}

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 2025-02-16 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:
I am formally disputing the inaccurate 30-day late payment reporting on my XXXX  account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections. 

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
I am formally disputing the inaccurate 30-day late payment reporting on my XXXX account. I have never been 30 days late on this account, and I request an immediate investigation and correction of this error. 

Additionally, I would like to request a grace period or non-penalty consideration under federal consumer protection laws, as I have been out of work due to a XXXX. Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), creditors and credit bureaus must ensure fair and accurate reporting and consider extenuating circumstances that may impact a consumers ability to make timely payments. Given my situation, I request that any negative reporting associated with my account be removed in consideration of these protections. 

I have included documents to substantiate my claim. Please update my credit report accordingly and provide me with written confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. I appreciate your consideration and look forward to a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Olympus1 LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information reported by Alleviate Financial on my credit report for the account referenced above. I believe the information reported is inaccurate and incomplete due to the following reasons : Lack of Clarity Regarding Fees : Alleviate Financial was not explicitly clear about their fees when settling or coming to an agreement regarding my account. At no point during the process did they provide a transparent breakdown of the fees associated with their services. This lack of clarity led to confusion and misunderstandings about the financial obligations I was agreeing to. 

Failure to Advise on Credit Impact : Alleviate Financial failed to properly advise me that their services could have a significant negative impact on my credit score, even though my credit was in good standing at the time I engaged their services. Had I been informed of the potential consequences, I would have made different decisions regarding my financial management. 

As a result of these issues, I believe the negative information reported by Alleviate Financial on my credit report is unjust and should be removed. I request that you investigate this matter and remove any derogatory marks associated with this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute within 30 days and provide me with the results of your investigation. If the information is found to be inaccurate or can not be verified, it must be corrected or removed from my credit report.

Please provide me with written confirmation once the correction has been made. I have attached copies of any relevant documentation to support my dispute, including correspondence with Alleviate Financial and records of my credit standing prior to engaging their services.

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I am now typing this for the 7th time, Equifax tells me to contact the company that has the inquiry on my report which I have stated in my last multiple complaints. I contact equifax again and am told told to create a ftc report which I have done a number of times as you can see on my file. I just spoke with equifax on Friday the XXXX th of XX/XX/year> and was told again to create yet another ftc report and I will be submiTting that now as well AGAINNNNNNNNN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC, XXXX XXXX XXXX, has violated my rights. 
15 USC1681 section 6028. States I have the right to privacy. And according to 15 USC1681EB they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Another adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Equifax Information Service LLC regarding a false claim they made about me contacting them concerning identity theft. As a result of this erroneous claim, the agency placed a fraud alert on my credit file, which has caused significant emotional distress and financial inconvenience. 
Details of the Incident : On XX/XX/year>, I was notified by Equifax that a fraud alert had been placed on my credit account. Upon investigation, I discovered that this alert was based on an assertion made by Equifax Information service LLC, claiming that I had contacted them to report an instance of identity theft. 
I want to clarify that I did not contact the collection agency in question, nor did I report identity theft to them at any time. This claim is completely false, and I have no idea why they would make such a statement. 
Despite my attempts to resolve this matter by contacting both the collection agency and the credit bureaus, the fraud alert has remained on my account, which has created undue stress and complicated my ability to manage my financial transactions. 
The false claim about me contacting the collection agency regarding identity theft has caused considerable emotional distress. It has led to delays in credit approvals, unnecessary complications in managing my finances, and a considerable amount of time spent trying to clear up this issue. 
Moreover, the fraud alert has damaged my creditworthiness, which could have long-term consequences, such as difficulty obtaining loans, credit cards, or even renting an apartment. 
Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as I believe the actions of Equifax Information LLC were not only inaccurate but also unfairly damaging to my financial and emotional well-being. Specifically, I request that : The fraud alert be immediately removed from my credit file. 
A formal investigation be conducted into the false claim made by Equifax Information LLC regarding my report of identity theft.

Any inaccuracies stemming from this incident be corrected with the credit bureaus. 
I am willing to provide additional documentation or information to support my complaint if needed. 
Thank you for your attention to this matter. I appreciate your prompt action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MD

Complaint narrative:
Complaint Summary : On XX/XX/year>, I obtained my credit report from Equifax, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. Equifax is unlawfully reporting charged-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines. 

Equifax failed to ensure maximum possible accuracy and is reporting misleading data, unfairly damaging my credit profile. 

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) Equifax is improperly reporting charged-off accounts with a past-due balance, which is not compliant with Metro 2 reporting standards. 
FCRA Violation 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure " maximum possible accuracy. '' A charged-off account should not have a past-due balance, as the creditor has already written it off.

Metro 2 Violation : According to the CDIA Metro 2 guidelines, a charged-off account must be reported with a {$0.00} past due balance. 
2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these inaccuracies, but Equifax failed to delete the false reporting within 30 days, violating the FCRA. 
FCRA Violation 15 U.S.C. 1681s-2 ( b ) : Equifax is required to reinvestigate and correct inaccurate or unverifiable information but has failed to do so. 
CFPBs Recent Enforcement Action Against Equifax shows Equifax 's pattern of failing to conduct proper dispute investigations and violating consumer rights. 
3. Improper Reporting Practices Impacting My Creditworthiness By reporting both a charge-off and an ongoing past-due balance, Equifax is misrepresenting my financial status and artificially inflating the negative impact on my credit score. 
This is considered double jeopardy reporting, misleading creditors and violating fair lending practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
My lease with Ally Financial was ending in XXXX of XXXX and I had plans to buy out my vehicle before it happened. I explained to them that I was waiting for my bank to put together my check to send them. When I sent them my check of over {$30000.00} to by the loan out which was POSTMARKED before the 30 days late mark, the proceeded to mark my last payment as late due to it arriving a few days after the late payment mark. 

Ive reported this to them multiple times as well as the credit bureaus and they continue to report the late payment enjoy a check of $ XXXX was sent to them and postmarked before the late payment deadline. This is unbelievably petty and one of the reasons I wouldnt utilize them for anything going forward. 

I have an additional late payment from them in XXXX after I contacted them for a payment extension and PAID the extension fee they had me pay. The amount of damage Ally Finacial has caused my credit since Ive had them is on another level

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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