vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AL

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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. 15 U.S.C. 1666b is a law that regulates the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers at least 21 days before the payment due date. 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: DC

Complaint narrative:
My loans were transferred to Mohela along with my IDR plan application XX/XX/XXXX. I started receiving bills from Mohela in XX/XX/XXXX. The injunction filed in XX/XX/XXXX put loans like mine in forbearance while dept of ed and courts litigate. 

Mohela claimed in a phone call in XX/XX/XXXX that they " received my loan paperwork but didnt have a chance to process it, disqualifying me from the forbearance ''. I pointed out that my application had been processed because they were able to determine a monthly fee schedule amount. They offered a 6 month deferment claiming they were backed up in processing applications and that mine would be processed. 

I contacted the dept of education and they confirmed that my application was submitted prior to the injunction and therefore should be processed and I should NOT be accruing interest. 

Every subsequent call with Mohela has either been 4 hour wait times, or they hang up when I explain all this. I have filed with them a complaint and subsequent messages documenting my attempts to contact them. I have only received letters saying my bill is due and interest is accruing. 

Recently the dept of education updated qualifying payments and I have over the XXXX needed for the loan forgiveness with screenshots. I have sent these to Mohela and opened a complaint with dept of education XX/XX/XXXX. Still no response and the dept of ed gave a generic response. 

I cant get ahold of anyone and when I do, they hang up. I cant chase these people down and they are ignoring me and the results of this will ruin me financially and my chances of ever paying this off, buying a house, or gaining financial freedom. Please help.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX Per XXXX XXXX XXXX Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed 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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX acquired my delinquent credit card account when the credit card company sold them my information. This credit card was opened in an earlier year than is reported by XXXX XXXX XXXX on my credit file. I have tried a couple of times to dispute this to no avail. It has been said that a dispute can not lower your credit score, but the second dispute I made with this company acctually did lower my credit score, and that is when I noticed the date of when I acctually opened the account was changed. It has been just a little over 7 years since that credit card account has been closed and it should fall off my credit report now. But the way XXXX XXXX XXXX has it on my report, it seems that it will never be removed. This company seems very predatory and I am not giving them anything! Maybe I waited too long to report this, but this is the only collection agency that I have issues with. Financial issues are inevitable in this life, and I am doing my best at present to pay up my credit card bills, and I simply need XXXX XXXX XXXX to go away and stop calling me!

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED HARD INQUIRES THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRES AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED HARD INQUIRES THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRES AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.

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: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I ask for information on the follow accounts XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX, XXXX. 
{$710.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$75.00} I never heard back from Experian. Nothing was done to verify these are my 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 2025-02-17 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was under the XXXX  XXXX in the XXXX. I did not have a capital one account. They keep on saying that I had one someone previous that was at this address mightve use this address that was falsely in my name. It was not me the number is not my phone number as you see that its not my number either you said that it comes back to me and its not mine so Im asking you to prove this by my signature on my ID if this is the same person that had signed the credit card. Thank you.

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 — Personal information incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
LexisNexis continues to report incorrect information on my consumer report. There are several misspellings of my name. My name is XXXX XXXX this is the only spelling of my name. LexisNexis has 7 days to remove any names or spelling that are not mine.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In about the last year, I have only charged XXXX different {$35.00} charges on my Comenity Capital Bank credit card. In XXXX I charged {$35.00} for turnpike XXXX XXXX, and the same charge was made in XXXX. The {$35.00} charge was paid and received by the company before the due date. They claimed it wouldnt go through and charged me a {$30.00} late fee and {$2.00} interest. Even though I disputed this all they did was change the late fee to {$15.00}. I checked with my bank and the request was never presented to them, so why am I charged {$17.00} for this. After multiple phone calls with no resolution, the customer service representative suggested filing a dispute I did that as you can see from the pictured letter. Whenever I have had a disputed charge with other credit card companies ( although those were with a vendor charge that should not have been made ), the credit card company puts disputes on hold ( not charging interest or late fees until the issue is resolved ). That was not the case with this company. They just kept charging and charging {$40.00} late fees plus interest. When I got the letter of refusal of my dispute, I mailed them a check for another {$40.00} and asked them to stop sending bills. I have already paid them {$120.00} for {$70.00} they paid the vender. That means they already made {$57.00} profit. I cant believe they are still trying to collect another {$190.00} just for printing statements that cost them pennies to send. I even tried to explain to them that we have been and are continuing to deal with major medical issues with our daughter since XXXX. I am not one to take lightly my responsibility to pay my bills. We pay on time and in full our XXXX, XXXX, and XXXX cards. We have an excellent credit score ( around XXXX ). We live paycheck to paycheck and do not have money to pay excessive unfair credit card fees ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
In XXXX, i submitted my borrower defense application. In late XXXX, I was approved for borrower defense loan discharge and received written confirmation in XX/XX/XXXX. However my loan servicer, Mohela, has not updated my account to reflect this update.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management sued me for a debt I owed back in XXXX I believe it was from XXXXXX/XX/XXXX of the amount unknown. MCM filed a writ of garnishment towards my employer which I was never summoned in person neither was by mail. XX/XX/XXXX MCM started garnishing 25 % of my paycheck and Im afraid they will garnish from income tax

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation. There is also an abundance of inaccurate information that has been being reported, which I can prove by providing my most current consumer report. You can't unring a bell. Once this info was put out it has ruined my reputation as a consumer.

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 2025-02-16 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: OH

Complaint narrative:
I have been trying to dispute information for over a year from the credit bureaus for putting inaccurate information onto my credit, also without my knowledge I was not giving the option to opt in our out nor did the companies send out any letters or emails stating they will be putting such information onto my credit also a proper investigation was not done with the companies when handling my disputes they refuse to delete anything from my credit. Ive tried several disputes even recently and nothing was handle they just put the information as updated not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally request that all communication from your office regarding the alleged debt referenced by your organization be ceased immediately. As per 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop further contact with me. 
Please consider this letter as a cease and desist directive in compliance with the law. I request that your office immediately halt any and all communications with me, including but not limited to telephone calls, letters, or any other forms of contact, unless it is to inform me of specific actions taken with respect to my account, such as a lawsuit.

Company response to consumer: Closed with non-monetary relief