vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$32000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I used Cash App on XX/XX/year> .at XXXX I added XXXX $ paper money ( XXXX ) to my Cash app with the intention to send $ XXXX the XXXX left after being charged XXXX $ to add paper money to my acct. I did this at a XXXX convent store. As I was entering the Hash tag for XXXX XXXX he called me, before I answered his call I had enter all the info and pushed send... I then answered his call, just to hear him say to me XXXX send it to the hashtag XXXX used, cause I don't have a way to get into that XXXX and I have a new Hashtag name and acct. So with that I found it he can't get into that acct and access it at all cause his wallet got misplaced with all the info, he's going through life change and his memory XXXX getting bad, Ants I call XXXX cash app XXXX to say I can't get a refund so I can send it to his new acct They keep telling me if he tells them the new acct they can access the ld acct and do it that way well he has called XXXX times to be told they can't verify his old info on the XXXX accessable one after they assured me it was what would happen. It's a catch XXXX I can't resolve with them. I just want it set straight to XXXX of us. XXXX is alot of money these days to someone who struggles as it is please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. Details of Disputed Inquiries : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604 , unauthorized inquiries do not meet the requirements for permissible purposes. Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: ME

Complaint narrative:
I am filing this complaint to formally notify the XXXX of serious and ongoing violations by major credit reporting agenciesnamely Equifax, Experian, and TransUnionrelated to their failure to comply with both the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards set forth by the XXXX XXXX XXXX XXXX ( XXXX ). As detailed in my formal disputes, these agencies continue to report inaccurate and outdated account information that I have previously disputed, without providing any verification or compliance documentation as required under XXXX XXXX. XXXX ( a ). These violations not only damage my credit profile unjustly but also demonstrate systemic negligence and non-compliance with industry-standard procedures meant to ensure consumer fairness and accuracy.

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 2025-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Spark Mortgage Advisors LLC
State: MI

Complaint narrative:
On XX/XX/year>XXXX   I submitted and application with XXXX XXXX and the credit score turned out to be too low so he suggested that I do a rapid credit re run. When I submitted the documents he said I need to pay for the rapid credit re run at a cost of 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 2025-04-04 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: LA

Complaint narrative:
My information was obtained by XXXX which is against law FCRA XXXX ( a ) ( XXXX ) ( a ). I have called the department of education but they are disbanded.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to XXXX XXXXXXXX XXXX XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : NCA ( Original Creditor : XXXX XXXX XXXX ) XXXX {$880.00} Date Opened : XX/XX/year> Under XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Under XXXX XXXX XXXX XXXX - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All 3 credit reporting companies are reporting medical debt that we thought was supposed to be removed. Sometimes the medical debt is given to debt collectors which makes it hard to tell on the report that it is in fact medical debt. We are being prevented from remodeling our home, which we own outright, because of these medical debts which are sometimes disguised as something else. 
We need to have these removed from our credit reports. 
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 non-monetary relief
Consumer complaint received 2025-04-04 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: OH

Complaint narrative:
All 3 credit reporting companies are reporting medical debt that we thought was supposed to be removed. Sometimes the medical debt is given to debt collectors which makes it hard to tell on the report that it is in fact medical debt. We are being prevented from remodeling our home, which we own outright, because of these medical debts which are sometimes disguised as something else. 
We need to have these removed from our credit reports. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Please help me, I have attached supporting correspondence.

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 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I joined the XXXX XXXX XXXX in XX/XX/year>. I got injured during basic training and stayed there until XX/XX/year> before being XXXX due to injury. During that time Mohela kept sending me requests for payment which I was unable to recieve or respond to due to being in basic training. Now that I am out, I have received emails XXXX to place my loan in collections due to lack of repayment. I tried to call them, but I get a XXXX hour wait and the call drops. I tried to log into their online account, but they migrated their services to a new website. My old credentials don't work, I can't reset my password, there's no email or live chat option and any customer service lines just lead to the same call line queue. Mohela has called me, but only once in the past XXXX weeks and I wasn't able to take the call right at that moment. I tried to call them back as soon as I was able, but that just led to yet another XXXX hour wait. I am scared of my loan going into collections, but I literally can't get in contact with them at all. I would like to discuss some forbearance due to me being in basic and then being XXXX as I had to take a low paying job just to stay alive. I am afraid of them garnishing my wages or something despite my best efforts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I received an e-mail from Capital One. It said " Refer a friend! They get XXXX mile bonus points after spending {$4000.00} within 3 months and you get XXXX miles '' I referred my boyfriend, he used my link and signed up. He completed his bonus and got his miles. I waited 8 weeks after the referral fee was used, like a capital one rep told me. I followed up after not receiving the points and a supervisor told me that sorry not every one gets the miles and there is nothing that I can do. To me that is very misleading advertisement, especially because they send me that e-mail frequently and no where in that e-mail does it say refer a friend but you might not be taken care of if you do. I have included an e-mail they sent me that shows I will be credited that bonus with no inkling of a chance of not receiving it along with my texting my significant other my referral link.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: PA

Complaint narrative:
In XXXX, XXXX, I was unknowingly and improperly added as a secondary owner/co-borrower on an auto loan with Westlake Financial Services XXXX I did not sign, authorize, or give informed consent to be included in this financial agreement. I was misled into the transaction without full disclosure of the terms or the implications of co-ownership. 

Following the origination of the loan, I had no active involvement in the management of the account. However, over the next two years, additional fraudulent activity took place. 

In XXXX, the primary owners wife, who is not listed on the loan, fraudulently submitted a deferment request on the account without my knowledge or consent. This deferment was executed using a fraudulent email address she created, and a forged digital signature that was falsely attributed to me. 

At no point was I consulted about this deferment. I did not authorize, agree to, or sign any extension documents. Westlake Financial failed to verify the authenticity of the email or the signature, allowing a major loan alteration to occur without proper authorization from a legal borrower.

These fraudulent actions have affected my personal and financial records, and I am now seeking legal recourse, including removal from the loan, correction of any negative credit impacts, and legal protection against future misuse of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
Checking my Cusumer Report from XXXX XXXX a Auto loan was charged off /Written Off .I never received 1099c form

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 2025-04-04 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: GA

Complaint narrative:
Checking my Cusumer Report from XXXXXXXX XXXX a Auto loan was charged off /Written Off .I never received 1099c form

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Checking my Cusumer Report from XXXXXXXX XXXX  a Auto loan was charged off /Written Off .I never received 1099c form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-04-04 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: OneMain Finance Corporation
State: OH

Complaint narrative:
I use my XXXX  credit card for groceries. I made an online purchase XX/XX/year> for {$120.00}... when I picked up my order the cost was different due to modifications on my order. This created another debit of {$120.00} on the card. Normally when this occurs it only takes about a week to resolve itself. It has now been 24 days and the {$120.00} is still showing as pending. I've spoken with both XXXX, the merchant, and one main.. XXXX told me they did not process the transaction and I would need to contact one main ..one main said I needed to contact XXXX ... I'm the consumer. They should be able to resolve this without me doing the footwork... I would like the {$120.00} credited back to my account so I can utilize the funds. I have attached screenshots. 

I've submitted a complaint with the XXXX XXXXXX/XX/year> with no response I am accruing interest against my account as well. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: TN

Complaint narrative:
To Whom It May Concern, I am formally disputing an {$11000.00} loan balance reported by EDFinancial that appears on my credit report. I did not apply for or authorize this loan, and I believe this account was opened fraudulently or in error.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting a full investigation into this account. If EDFinancial can not verify that I legally authorized and signed for this loan, the account must be immediately removed from my credit report. This account is negatively affecting my credit, and I take this matter seriously. Please provide the results of the investigation and confirm removal or correction in writing. 
Thank you.

Company response to consumer: Closed with explanation