vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Today, XX/XX/year>, I'm unable to access my Experian account and they offer no remedy for accessing it. Apparently, they have my phone number wrong so I'm unable to log on to their site without a password that I don't have.

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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
All XXXX XXXX loans, mine included, were XXXX by federal court. Mohela knowingly reinstated and consolidated the XXXX loans. They have never leant me money or paid off any student loan ( XXXX ) in my name in order to consolidate them. The loans were XXXX before they reinstated and consolidate them under false pretense. I was told my loans had to be consolidated in order to qualify to be forgiven by a certain date. This was a lie.They were told not to proceed during the application process and did so anyway. Theyre trying to collect money theyve never lent out. When they were originally caught and reported, they deleted the loans and then reinstated them again. This has to stop, its fraudulent. Theyre currently under investigation and at risk of losing their contract handling federal student loans for this exact reason. I want this fraudulent account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from XXXX TransUnion and XXXX. On XX/XX/year> XXXX XXXX  XXXX was not authorized to pull and report to my credit. XXXX BANK on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXX Services XX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.

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 2025-01-20 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: NY

Complaint narrative:
Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from XXXX XXXX and Experian. On XX/XX/year> Bank XXXX XXXX was not authorized to pull and report to my credit. XXXX BANK on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXX Services XX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.

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 2025-01-20 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-01-20 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within XXXX 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 ( XXXX ), 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. These are the accounts I have marked as inaccurate : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
In accordance with the fair credit reporting act the company has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section A Section 2 : It a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NAVY FEDERAL CREDIT UNION
State: VA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple accounts under the company name XXXX XXXX reported on my Experian credit report. I have requested documentation from Experian XXXX XXXX to show that I am the owner of the debt, as I do not recognize this company. However, all I received was a statement saying the information is accurate, with no proof provided to me. This is frustrating, as I am getting nowhere with 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX of XXXX  I saw an unauthorized transfer of {$XXXX} to somebody. I did not give my consent or authorize this charge since it came from my account somehow somebody sent money to themselves from my account. My bank said there was nothing they could do and I would have to contact zell I did and they said they could not do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
From a graduate of XXXX University XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX 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 2025-01-20 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear CFPB, I am writing to formally dispute the reporting of late payments on my XXXX, XXXX, and XXXX credit reports. The late payments in question are associated with XXXX Capital One credit card accounts and are listed for XXXX, XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit reporting agencies are required to report information that is accurate, complete, and verifiable. I believe these late payments may be inaccurately reported or unverifiable. If the creditor can not provide documentation proving the accuracy of these late payment reports, I respectfully request their immediate removal from my credit report. 
Additionally, Section 611 of the FCRA mandates that the credit bureaus investigate disputed items and remove any information that can not be verified within 30 days. Please ensure the credit bureaus fulfill their legal obligations to investigate and provide results promptly.

I kindly request your assistance in resolving this matter quickly and ensuring my credit report accurately reflects my credit history. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello, My parents pass last year and I'm one of the heirs, that reach out to PHH Mortgage, to proceed with the next steps to purchase the house. On XX/XX/year>, a letter of intent to purchase the house was mailed in. We didn't hear back from the mortgage company, on XX/XX/year>, both death certificates were mailed to the company, with the letter from the person that wanted to purchase the house. On XXXX XXXX, spoke with a rep from PHH and were informed, we need to send in a short sale application not letter of XXXX XXXX short sale application was mailed on XX/XX/year>. In the mean time we were process of finalizing getting all of the XXXX affidavit for the attorney, like we were advised to do. on XX/XX/year>, is when the affidavit XXXX was mailed to the company listing all of the heirs. After no response we reach back on XX/XX/year> and was informed that XXXX of the heirs had to complete the short sale not a family member. The heir was instructed to fax the short sale application to the company. When speaking with the rep, the heir was informed they haven't received any of the other information, except for the affidavit of heirs, everything was mailed ahead of time to the exact address, starting in XXXX. I don't understand how the mortgage company received the affidavit of heirs and none of the other paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
XXXX, Equifax, and XXXX have failed to maintain the accuracy of the information reported on my credit file, despite multiple disputes submitted to address these inaccuracies. The information in question remains unverified, outdated, and incorrect, resulting in ongoing harm to my credit profile.

The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not adhered to in my case. 
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as no clear evidence or documentation was provided to verify the accuracy of the disputed information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has been retained or re-reported without proper validation or notification, violating FCRA guidelines. 

I request that the CFPB investigate these violations and take action to ensure the credit bureaus address these inaccuracies, provide adequate validation, and comply fully with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted to resolve inaccuracies on my credit report by submitting disputes to TransUnion, XXXX, and XXXX, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 
The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not followed in this case. 
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.

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 2025-01-20 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: TX

Complaint narrative:
I have attempted to resolve inaccuracies on my credit report by submitting disputes to XXXX, XXXX, and Experian, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 
The following violations apply to this matter : 15 USC 1681i ( a ) ( 1 ) : This challenges the XXXX response time for investigating disputes, which was not followed in this case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information.

15 USC 1681i ( a ) ( 5 ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.

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