vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
Prior to the below dates, I have had a XXXX XXXX time figuring out forbearance due to SAVE with these people. I've called every month or two for about a year since each time I'm told I'm on forbearance, I keep somehow getting switched off of it as if I'm not enrolled in SAVE. None of my peers have had to deal with this. I don't have good dates for those calls since it's been over a year, but I assume the agency has record of all calls made regarding my account. The below dates are the dates of the most recent sequence of events. 

XX/XX/XXXX : First time I received a document for my forbearance. 

XX/XX/XXXX : Document informing me that I was in collections for missed payments. Made multiple phone calls before finally getting a hold of someone at the end of the day who helped put me into forbearance ( supposedly ). I had pushed the callback button and never received a call back in the time frame given, so I had to initiate the final call where I got helped. 

XX/XX/XXXX : Document received informing me of forbearance, again. 

XX/XX/XXXX : Received notice that I had a payment due in XXXX. I was told I'd be in forbearance until the SAVE stuff worked out ; all other SAVE folks are on forbearance until XXXX, so there must have been an error. Called three times this day, was disconnected twice and once stayed on hold after work until their hours of operation closed. Pushed callback button. No callback. Filed complaint with federal aid requesting new servicer. 

XX/XX/XXXX : Attempted phone call, was on hold for twice as long as was told before hanging up ( after 3.5 hours ). Pushed call back button. No call back. Sent message to agency. No response. Filed second complaint with federal aid requesting a new servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-02-06 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Complaint Description ( Copy & Paste the Text Below ) : I opened my Coinbase account on XX/XX/2020 After transferring funds into my account, it was suddenly put under review on XX/XX/2020, just 10 days later. Since then, my account has been locked for over XXXX years, and I have not received any response or resolution from Coinbase despite multiple attempts to contact support. 

I have : Submitted all requested identity verification documents multiple times with no updates. 
Contacted Coinbase support numerous times through emails, chat, and social media, but they have ignored my requests. 
Been unable to access my funds for over XXXX years without any explanation. 
This is completely unacceptable. I am a U.S. citizen and a business owner, and Coinbase is unjustly withholding my money without reason or communication. 

Requested Resolution : I demand that Coinbase : Immediately review my case and unlock my account OR provide a clear reason for the extended review. 
Provide a timeline for access to my funds. 
Give me a direct point of contact for urgent escalation. 
If Coinbase fails to respond within 15 days, I will escalate my complaint to the SEC, XXXX XXXX XXXX ( XXXX ), and legal authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
My credit score with Transunion and XXXX XXXX also shows Transunion shows outdated scores. I have XXXX XXXX who I pay to monitor my credit and update old negative items and my score is XXXX for Transunion. But on the Transunion site and XXXX XXXX it shows my credit score not being up to date with still derogatory information that has been paid, settled, and no longer on my credit report. I need transunion and XXXX XXXX to update my credit score to XXXX on all models system they use for Transnion to calculstevmy score to match up. I am getting denied loans because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MA

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed 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 2025-02-06 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: CA

Complaint narrative:
XX/XX/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 2025-02-06 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: CA

Complaint narrative:
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Weber and Olcese keeps finding and buying old charged off debt. One of them I am almost certain I paid. It's been over XXXX years. I've moved several times since then. I went to court and tried to argue that point and the judge granted them payment. They contacted me again via court records saying I owed them a different amount. I told them I didn't owe that but we went to court again and they won again. This time they garnished my checking account at XXXX. To me this is unfair because I have no knowledge of where they keep getting these accounts from. I've contacted courts in each city I lived in like XXXX, XXXX XXXX, and XXXX and I can't find any charges against me. It should be a limit on what debt collection companies do. How can I protect myself from this happening again? I do have the court documents sent to the bank. But my bank didn't notify me until they put a {$1200.00} hold on my account. I had just received payment from the XXXX XXXX class action lawsuit. It's ironic that it was that amount and they garnished me for almost that amount. 
Kindest Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 XXXX USC XXXX. 

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

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX USC XXXX ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX USC XXXX ( Section 805 ( c ) ). 
Harassment under XXXX USC XXXX ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX U.S. CXXXX 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 2025-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAC Financial Corp
State: TX

Complaint narrative:
I advised them these amounts were not correct and would pay once resolved. It was not resolved. They call all the time and have sent letters in the mail. I disputed with the credit bureau and they responded by marking me delinquent over XXXX times and reporting Im unable to be contacted even though they call me almost daily and send me a letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

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 2025-02-06 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: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Received a call from Citibank saying our card was charged in AZ and we are in PA. They transferred me to XXXX who had my credit info and then offered debt relief program through the Federal government. 
I got his phone number and first name. XXXX XXXX XXXX XXXX. 

I also contacted XXXX and they stated they do not offer Debt Relief through the Federal Government. 

I reported this to XXXX too.

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 2025-02-06 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: NJ

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. XXXX XXXX XXXX XXXX {$2900.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXX XXXX {$570.00} 4.XX/XX/XXXXXXXX XXXX {$270.00} 5. XXXX XXXX XXXX {$110.00} 6. XX/XX/XXXX{$100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-02-06 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. XXXX XXXX XXXX XXXX {$2900.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXX XXXX {$570.00} 4.XX/XX/XXXXXXXX XXXX {$270.00} 5. XXXX XXXX XXXX {$110.00} 6. XX/XX/XXXX{$100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
SHELLPOINT WOULD NOT TALK TO ME DESPITE ME SENDING MY ID, THE SUCCESSOR FORM, TRUST DOCUMENTS, AND THE GRANT DEED. I AM NOW BEING TOLD I CAN NOT ASSUME THE LOAN BECAUSE THE TRUSTEE SALE DATE IS TOO CLOSE. BUT YES IF I PAY {$9000.00} THEY WILL POSTPONE THE TRUSTEE SALE. I HAD TO GO THROUGH COURT AND ASK FOR DOCUMENTS TO BE UPDATE TO HAVE THEM ACCEPTABLE TO SHELLPOINT. I KEPT SENDING THE VERY SAME DOCUMENTS OVER AND OVER. I WAS TOLD I WOULD BE ABLE TO ASSUME THE LOAN THROUGH A REVIEW FOR MORTGAGE ASSISTANCE. THEY HAVE ALL OF MY DOCUMENTS TO REVIEW THE MORTGAGE ASSISTANCE AND ALL THEY OFFER RIGHT AWAY IS A REPAYMENT PLAN, NOT THE REVIEW THEY HAD INITIALLY MENTIONED. ALL I AM TRYING TO DO IS SAVE THE HOME I GREW UP IN. I HAVE BEEN DOING EVERYTHING ASKED OF ME. A POSTPONEMENT OF THE TRUSTEE SALE DATE WILL GIVE SHELLPOINT THE TIME THEY NEED TO REVIEW MY REQUEST FOR MORTGAGE ASSISTANCE, THEY ARE REFUSING TO POSTPONE THE SALE DATE DESPITE THEM HAVING EVERYTHING THEY NEED TO REVIEW MY REQUEST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
inquiries on my credit report I never applied for : 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 XXXX XXXXXX/XX/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 2025-02-06 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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