vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had contacted the company about the name on the account and that my XXXX was never received they keep blowing me off n not helping I been dealing with cash app for almost 4 years I am the owner of cash app and they denied n with held information they have me under my child father name but all checks I deposited is in my name I was trying to login in to my orginall account but I was blocked all kinds of BS has happened but there inconsistent n in reliable with being truthful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. They are reporting a debt for XXXX, however, I have not had XXXX  in over 8 years. I returned all equipment and have not paid XXXX in over 8 years now, this account would be well past the credit reporting limit and needs to be removed immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/XXXX I was told I would receive a XXXX " spot me '' advance or loan and I received it right away and then promised an additional XXXX on XX/XX/XXXX. I followed up on XXXX to make sure I would still receive XXXX on XX/XX/XXXX and was told no. I called again on XXXX and this time I was told yes I would receive the XXXX on XX/XX/XXXX. On XX/XX/XXXX I was told no again and that I already received it and reached my XXXX. I asked for a XXXX twice and was left on hold both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XXXX, Equifax, XXXX. All three reporting companies have notified me my credit freeze had been lifted, THIS WAS NOT AUTHORIZED by me. All of my login information has been hacked. Phone number, address, email have been changed making it impossible for me to access my credit reports and place a freeze. There has been a fraud alert from my bank requiring new bank cards. I am unable to speak with any one at all three credit reporting companies. Terrible customer service to say the least! These companies are entrusted in many cases with our future finances yet have released my most vulnerable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I reviewed my credit report and noticed there are unauthorized hard inquiries on my report they are ; I DID NOT AUTHORIZE ANY OF THESE INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

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 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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
On XXXX XXXX XXXX I made my final ( XXXX ) payment to be eligible for XXXX XXXX XXXX XXXX. XXXX of my XXXX loans was XXXX promptly after submitting my final XXXX XXXX XXXX ( XXXX ) and XXXX  application. The remaining loan remained in forbearance over the summer. 

On XX/XX/year>, I received a letter from the Department of Education ( attached ) indicating that my remaining loan was eligible for discharge and that MOHELA would respond within XXXX business days. I never received a response from MOHELA to that effect, and my loan balance remains on MOHELA 's website. 

Prior contact with MOHELA ( in XXXX ) and with the FSA Ombuds ( in XXXX and XXXX ) has been unsuccessful in getting this loan XXXX. In the meantime, this loan that I no longer owe remains on my credit report and I am concerned that in the future, I XXXX be asked to resume payments on it despite fulfilling all of the requirements for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. AR XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease Desist Request Regarding Bankruptcy Reporting Dear TransUnion, I am writing to formally request that you cease and desist from reporting inaccurate information regarding my bankruptcy status on my credit report. My name is XXXX XXXX, and my Social Security number is XXXX. 
Upon reviewing my credit report, I noticed multiple listings of Chapter 13 bankruptcies that are both misleading disorganized : XXXX. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed 2. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed XXXX. XX/XX/XXXX, XXXX Chapter 13 bankruptcy dismissed/closed These entries do not accurately reflect my bankruptcy history, the courts did not supply this information in an orderly fashion. This lack of clarity may severely impact my creditworthmess. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, as established in **Engelhardt v.

Gravens, 281 S.W.3d 500 ( Mo. Ct. App. 2009 ) **, which underscores the importance of accurate reporting. 
I formally request that you investigate these entries bankruptcy from my credit report. 
remove any erroneous or outdated information regarding my Please be advised that continued reporting of this inaccurate information may be considered a violation of my rights under the FCRA, I may pursue further action if necessary. 
I request a written response confirming that you have received this letter this issue. 
that you will take the necessary steps to resolve Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Title did not wire funds as disclosed in HUD 1 disbursed funds to a deceased person not identidfied in the HUD 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become aXX/XX/XXXXXX/XX/XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: HI

Complaint narrative:
On XX/XX/year>, I received a written notice from Johnson Mark LLC, a XX/XX/XXXXacting on behalf of XXXX XXXX XXXX, XXXX, claiming that I owe a debt related to a XXXX account with XXXX XX/XX/XXXX. The notice stated that the total amount due is {$3900.00}. 

I do not recognize this debt, and I believe it may have been assigned to me in error. I have not received any prior communication regarding this debt, nor have I received proper validation or proof that I am legally obligated to pay it. Additionally, I am concerned that this debt may be outside the statute of limitations for collection under Hawaii law. 

I respectfully request that Johnson Mark LLC and XXXX XXXX XXXX provide detailed validation of this debt, including the original account agreement and proof of ownership of the debt. Without such documentation, I believe this collection attempt is improper. 

I have not yet contacted the company directly, as I wanted to first file a complaint with CFPB to ensure my consumer rights are protected. 

Thank you for your attention to this matter.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

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 2025-01-10 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: PA

Complaint narrative:
I am filing a complaint against Equifax regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. 
Despite sending several letters to Equifax, providing evidence that I have no connection to this account, and requesting a thorough investigation, Equifax has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. 
I suspect this fraudulent account is a result of my information being exposed during the Equifax data breach, in which I was a victim. Equifaxs failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. 
I request your assistance in ensuring that Equifax conducts a proper investigation and removes this fraudulent account from my credit report promptly. 
Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TRANSUNION }. I believe these late payments are erroneous and do not accurately reflect my payment history.

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/year>, I, XXXX XXXX,XX/XX/XXXXof the XXXX XXXX, sent an ACH payment of to an Independent XXXX {$25000.00} ; bank information was given to the bank teller ( Chase ), and the teller introduced the wrong account number, but the problem was corrected when the bank review the payment and realized that the account information was incorrect. The funds were reversed and put back in the originator 's account ( Chase ) holder. The same mistake happened on XX/XX/year> ; in this case, the amount sent was {$17000.00}. The bank took the money and released it to an account holder within the Chase Bank system without confirming the receiver 's information after being made aware that the funds were sent to the wrong account by mistake. I have been pleading with bank officials over the phone and on personal visits to my XXXX XXXX, NYXX/XX/XXXX, and they refuse to help recover the funds. I asked the bank representatives to contact the recipient of the {$17000.00} to return the money, and they refused to do it or conduct an investigation to recover my funds. More information will be made available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have mailed multiple letters to Experian asking them to remove wrong address that does not belong to me and never has. I have explained to Experian that there should only be one address on my credit report, therefore any other address on there is wrong and belong to someone one else. I have even sent in my Driver 's license with my address and also have attached a copy of a current bill and social security card to prove my personal info, yet they still continue to allow wrong personal information to be on my credit report, which is damaging me in multiple ways, especially financially. in addition to that it is draining my mental and emotional health. For example, I'm ready to buy a house yet because of the extra addresses Experian has on my account, I'm not able to do so. this situation has an easy fix, which is to remove all addresses other than the address on my Driver 's license. 

*I will also attach the file and letters i have sent Experian.

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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The company Acima has claimed that took out a rent to own lease on XXXX XXXX. When I do not recall ever taking anything out. They have been emailing me calling me and spamming me over the past couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint regarding a debt collection agency known as Information Services, concerning an account referenced as XX/XX/9117, which has a total amount of {$840.00}.

Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I have the right to request validation of this debt. I have made attempts to contact Information Services to obtain the necessary documentation regarding this debt but have not received a satisfactory response.

I would like to formally request your assistance in ensuring that the following information is provided by Information Services : The name of the original creditor.

Verification of the amount owed.

Any supporting documentation that validates this debt.

Additionally, I request that Information Services cease all collection activities until they can provide the necessary validation, as required by the FDCPA. 

Thank you for your attention to this matter. I appreciate your assistance in protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I scheduled a payment to be sent from XXXX, my bank, to Mr. Cooper, the servicer of my mortgage. The payment was delivered on XX/XX/XXXX. 

As late as XX/XX/XXXX, Mr. Cooper still had not credited my account. I confirmed with XXXX that it sent the payment to Mr. Cooper. I called Mr. Cooper, who told me they had not received the payment. I was advised to put a stop payment on the check, which I then did. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that they are charging me a fee for the stop payment on the check that they now conveniently tried to cash. 

On XX/XX/XXXX, I chatted with Mr. Cooper 's customer support who told me they can not reverse the charge, even though it was due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have made multiple attempts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing significant mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and providing for my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a XX/XX/XXXX. For your reference, I have attached my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
Mohela is reported twice on my credit report. They refuse to remove it. I only have one account. It is duplicated on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation