vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: WV

Complaint narrative:
EQUIFAX : XX/XX/XXXX/25 XX/XX/XXXXXX/XX/year>25 XXXX XX/XX/XXXXXX/XX/year>25 -XXXXXX/XX/XXXX ; XXXX XXXX/XXXX/25 TRANSUNION : XXXXXX/XX/XXXX XX/XX/year>25 -XX/XX/XXXXXXXX XX/XX/scrub>/25 -XX/XX/XXXXXXXX/XXXX/25 -XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXXXX XX/XX/year>25 XX/XX/XXXX XXXX XX/XX/scrub>/25 -XX/XX/XXXXXXXX/XXXX/25 XX/XX/XXXXXX/XX/scrub>/25 -XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/year>25 -XX/XX/XXXXXXXX ( Hotel and Travel ) XX/XX/scrub>/25 XXXXXX/XX/XXXXXXXX/XXXX/25 XX/XX/XXXX XX/XX/year>25 XX/XX/XXXXXXXX XXXX/XXXX/25

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: OH

Complaint narrative:
Applied for a loan modification with Selene Finance in XX/XX/year>. At the time, there was no foreclosure sale date. 

Received a letter XX/XX/year> that my application was received XX/XX/year>, it is facially complete XX/XX/year> and a decision will be made by XX/XX/year>. 

Received a letter XX/XX/year> I receive a letter that they were unable to approve the modification as the " Borrower failed to return signed modification agreement. '' between XXXX and XXXX I never received a modification agreement and Selene does not have a record of sending a modification agreement. 

My modification application was noted as facially complete on XX/XX/year>. If my packet was incomplete, Selene made no effort to contact or give me a reasonable timeline to complete my packet. 

I have been contacting Selene daily for an update and I am continually told something different. I want to confirm if I am being reviewed for a modification and if not, why?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> the banking " company '' Chime along with The XXXXXXXX XXXX XXXXXXXX created an account for me as well as completed a supposed direct deposit form and sent me a chime credit card without my consent. They refused to help me unless I confirmed my email, phone number, address as well as asked for the last 4 of my SSN. I did not give them any of this information and verified that there were no new accounts with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX. 

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

15 U.S.C XXXX Section 604 XXXX Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-21 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-21 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: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion used misleading tactics to get me trapped into a loan and then charged it off to my credit reports without warning or understanding. They refused to work with me to resolve anything and they are destroying my credit reports. Moneylion says that I owe XXXX. I never received a loan for that amount. They continue to report late and say that the loan closed on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
Upon reviewing my credit report, I have identified accounts that are not mine and that I have no affiliation with whatsoever. This is not only unjust, but it is also extremely concerning. As per the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, I have the right to a correct and accurate credit report, and these discrepancies should not be adversely affecting my creditworthiness. I request a full and immediate investigation into this matter, with all inaccuracies corrected. If this issue is not addressed promptly and properly, I will have no choice but to pursue legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
Upon reviewing my credit report, I have identified accounts that are not mine and that I have no affiliation with whatsoever. This is not only unjust, but it is also extremely concerning. As per the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, I have the right to a correct and accurate credit report, and these discrepancies should not be adversely affecting my creditworthiness. I request a full and immediate investigation into this matter, with all inaccuracies corrected. If this issue is not addressed promptly and properly, I will have no choice but to pursue legal action to protect my rights.

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 2025-02-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was did not have access to my XXXX XXXX XXXX XXXX pre paid card XX/XX/XXXX Through XX/XX/XXXX. I experienced hard during this time frame and sent a request to boa IRP. The administrator for this program keep emailing me for proof that I experienced harm and hardship during this time frame which I have sent. They are delaying the process by keep asking me for the same information that I have sent.

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 2025-02-21 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC Subject : Insufficient Debt Validation, Unauthorized Re-reporting, and Lack of Licensing in Louisiana Account # XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing in response to your recent correspondence regarding the alleged debt referenced above. I previously requested proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). However, the documents you providedmere copies of billsdo not constitute sufficient validation. 

Additionally, I have noticed that this account has been re-added to my credit report, despite it being previously disputed. Re-reporting a disputed or unvalidated debt may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Furthermore, upon investigation, I found that LVNV Funding LLC is not licensed to collect debts in the state of Louisiana. Louisiana law requires debt collectors to be licensed in order to legally operate within the state. Since you are not licensed, you have no legal right to collect any debt from me.

Immediate Actions Required : Provide proper debt validation, including : A copy of the original signed agreement that created the debt. 
Proof that LVNV Funding LLC has the legal right to collect this debt ( including a copy of the original creditors assignment of the debt to LVNV ). 
A full account history with an itemized breakdown of the balance. 
Proof that the statute of limitations has not expired in Louisiana. 
Immediately cease all collection activities, including phone calls, letters, and credit reporting, as you are not licensed to collect in Louisiana. 

Remove this account from my credit report, as its re-reporting is potentially unlawful. 

If you fail to comply, I will not hesitate to file formal complaints with : The Louisiana Office of Financial Institutions for unlicensed debt collection. 
The Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
The credit bureaus ( XXXX, XXXX, and XXXX ) demanding removal of this unverified debt from my report. 
You are hereby notified to cease all collection efforts immediately unless you can provide proper legal validation of this debt. If I do not receive a written response within 30 days, I will escalate this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. in accordance with the fair Debt collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692g, I demand validation and other clarifications about this debt. please provide concrete proof that establishes my liability for this debt. please investigate these matters and remove the disputed 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 non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Your company has inquiries on my credit report that I never approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Hello, the insurance company XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX sent my information to the CCS Credit Collections company against my consumer rights and effecting my credit worthiness after speaking with them about receiving an extension to pay the balance of XXXX that the company agreed with extended time for the balance to be paid. The balance was in fact paid and sent to CCS Credit Collections company without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

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 XXXX XXXX ( Section XXXX ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( Section XXXX ( c ) ). 
Harassment under XXXX XXXX XXXX ( Section XXXX ). 
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 XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Inquiry made in XXXX XX/XX/year>.

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 2025-02-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-21 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: WI

Complaint narrative:
Transunion continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES

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 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
MOHELA is not showing the reflection of my payment several months after payment was delivered and removed from my bank account. On XX/XX/XXXX, I made XXXX separate payments totaling {$14000.00} to MOHELA for my student loans. Only XXXX payments of {$4500.00} and {$4000.00} are being reflected on the portal, and the rest has disappeared. When calling MOHELA, I have been on hold in the automated system for over XXXX hours on multiple occasions and was told to continue to wait for it to reflect on my portal but that MOHELA can see it on their end. 

XXXX call was between myself and a MOHELA representative named XXXX on XX/XX/XXXX ( ref # XXXX XXXX XXXX ) of which I was told that the entire sum of money I paid would be shown on my portal in XXXX business days, yet it is still not being shown on my end. I have called MOHELA several times since then, the most recent on XX/XX/XXXX with no success and several of these calls being disconnected by the operator when nearing the XXXX mark. 

I was shown a response by a previous entity online that states that an expedited review was sent by MOHELA on my behalf on XX/XX/XXXX, but it does not state when this will be resolved and how this will be communicated to me. There have been additional emails stating the same expedited review, but it has been months since this review was " expedited '' and I have yet to receive a response. It has been XXXX  months since the original payment has been made, and the automated message I keep recieving states that this matter will be resolved in XXXX  days, yet nothing is resolved. 

My loans have now left the grace period and payments are being due, however I do not feel comfortable providing any such payments when previous payments have been lost in limbo for XXXX months. I also am not sure if any future payments will be going towards interests that should not have been accrued due to the time of my previous payment XXXX months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation