vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: VA

Complaint narrative:
SENT MY DISPUTE IN FOR INACCURATE REPORTING ON MY CREDIT REPORT. I WANTED THESE ACCOUTS DELETED UNDER THE FCRA BECAUSE OF THIS. THIS DID NOT HAPPEN. ALL I GOT BACK WAS UPDATE AND VERIFIED. HOW WAS THIS AND THESE ACCOIUNTS HAD INACCURICIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUION AND EXPERIAN. ( YOUR COMPANY DID NOT DO YOUR JOB AND YOU HAVE A LAWSUIT AGAIST YOU FOR THIS. ) I WILL BE TAKING ACTION IF THESE ACCOUNTS ARE NOT DELETED IMMEDIATELY. THESE WERE THE ACCONTS THAT WERE SUPPOSED TO BE DELETED FOR VIOLATING THE FCRA. : ( 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 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 XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE INACURATE INFORMATION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, EXPERIAN AND TRANSUNION. I REQUESTED THAT THESE ACCOUNTS UPDATE THE LATE PAYMENTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY. THIS DID NOT HAPPEN. YOU SENT A RESPOSE OF UPDATED AND VERIFIED WHICH IS A VIOLATION OF THE FCRA. THESE ACCOUTS SHOULD BE UPDATED TO PAID ASGREED, NEVER LATE, PAID ON TIME IN THE WHOLE PAYMENT HISTORY. ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: VA

Complaint narrative:
SENT MY DISPUTE IN FOR INACCURATE REPORTING ON MY CREDIT REPORT. I WANTED THESE ACCOUTS DELETED UNDER THE FCRA BECAUSE OF THIS. THIS DID NOT HAPPEN. ALL I GOT BACK WAS UPDATE AND VERIFIED. HOW WAS THIS AND THESE ACCOIUNTS HAD INACCURICIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUION AND EXPERIAN. ( YOUR COMPANY DID NOT DO YOUR JOB AND YOU HAVE A LAWSUIT AGAIST YOU FOR THIS. ) I WILL BE TAKING ACTION IF THESE ACCOUNTS ARE NOT DELETED IMMEDIATELY. THESE WERE THE ACCONTS THAT WERE SUPPOSED TO BE DELETED FOR VIOLATING THE FCRA. : ( 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 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 XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE INACURATE INFORMATION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EQUIFAX, EXPERIAN AND TRANSUNION. I REQUESTED THAT THESE ACCOUNTS UPDATE THE LATE PAYMENTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY. THIS DID NOT HAPPEN. YOU SENT A RESPOSE OF UPDATED AND VERIFIED WHICH IS A VIOLATION OF THE FCRA. THESE ACCOUTS SHOULD BE UPDATED TO PAID ASGREED, NEVER LATE, PAID ON TIME IN THE WHOLE PAYMENT HISTORY. ( 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 2025-03-23 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: MOHELA
State: TX

Complaint narrative:
MOHELA is reporting false information on my credit report and under XXXX XXXX XXXX XXXX XXXX - My rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Had money start coming up missing from my account and when I would dispute it they would denie the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated by Experian starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
Recently refinanced va loan last year have been paying monthly payments on time now receiving not having escrow to pay for after talking city that there is no change to escrow amount

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : XXXX. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt. 
XXXX. A written statement confirming that you will no longer pursue collection efforts. 
This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions. 
I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 
Please provide written confirmation of your receipt of this letter and your intention to comply with my request. 
XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX ( b ) Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc.
State: NH

Complaint narrative:
Happy Money has failed to update my credit reports. I owe {$3400.00} but they haven't reported since XXXX and the reports say I owe {$4100.00}. 

Complaints to the credit bureaus have been denied. 

I cal

led Happy Money and they blame it on computer problems. I filed an internal dispute to no avail.

The Better Business Bureau has proven useless.

This is hurting my credit score and is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
This letter serves as a formal demand for the immediate removal or update of my student loan accounts from all credit reporting agencies due to multiple violations of my consumer rights under federal law. 

XXXXXXXX XXXX XXXXXXXX First and foremost, my student loans are in deferment until XXXX, meaning there should be no late payments reported under any circumstances. Reporting late payments while my loans are in deferment is an outright violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or misleading information. You are knowingly reporting false data, damaging my credit profile unlawfully. 

Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt out of having my non-public personal information ( NPI ) shared with third parties. Companies such as TransUnion, Equifax, Experian, and any other unauthorized entitiesincluding XXXX XXXX or affiliated businessesare third parties and should not have had access to my private information. You failed to provide me with the required opt-out disclosure, violating my privacy rights. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 6802 ( b ) ( GLBA Violation ) You shared my non-public personal information without proper opt-out procedures.

15 U.S.C. 1681b ( FCRA Violation ) My consumer report was accessed without permissible purpose.

15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) Any inaccurate, unverifiable, or unauthorized information must be deleted.

15 U.S.C. 1692e ( FDCPA Violation ) Reporting inaccurate or unlawful debt is a deceptive practice. 

By illegally allowing unauthorized access to my personal data and reporting false late payments while my loans are in deferment, you have violated my federal consumer rights and must immediately remove these accounts from my credit report. This is not a request but a demand. 

I expect immediate corrective action. Failure to comply within 15 days will result in formal complaints filed with the CFPB, FTC, State Attorney General, and potential legal action. 

I require a written response confirming the removal of these accounts. If you believe you are in compliance, provide proof of my signed authorization allowing access to my personal financial records by third parties and documentation supporting the false late payment reporting while in deferment. 

This is your final notice before escalation.

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 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) sent a letter of collection to me claiming that I owed XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX {$510.00} as of XXXX, plus a fee of {$40.00}. I wrote XXXX XXXX XXXX and asked them for the original creditor and proof of whatever this said debt was. I then received a second correspondence from them with a copy of what I assume is a digital check with " XXXX XXXX * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Other information includes a merchant #, last 4 of an account #, amount, fee, transaction total, funding type, check #, reference #, Workstation, cashier, Auth Code, purchased from, payout type, trace ID, and player card ( the only one that was blank ), and a signature at the bottom that is not mine. However, I have not been to that XXXX or any XXXX  in years ; the date of XXXX was a XXXX  and I was at work that day ; none of the numbers on that receipt are mine, my name is not even on the receipt, only a fake signature. My bank did go over my accounts to make sure it didn't match anything. I have filed a police report and will continue to takes steps to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: OH

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 2025-03-23 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: PA

Complaint narrative:
I am writing to formally dispute several inquiriesthat l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiriesin question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2025-03-23 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX student loans opened at the Department of Education on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, XXXX student loans opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an account XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in XXXX fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question included in a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint ( Report # XXXX ) 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 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
LVNV FUNDING LLC {$620.00} Collection Agency for XXXX calls repeatedly daily from different numbers. I will ask for them to stop and the caller will say no. I have asked to speak to the Supervisor and they will not respond and they will go silent until I hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Transunion Complaint number XXXX the complaint requested to have the following accounts removed : XX/XX/XXXXXX/XX/XXXX In their response they stated this : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XX/XX/XXXX UN-UPDATED ( XXXX ) XXXX XXXX XXXX XXXXUPDATED XX/XX/XXXX-UPDATED XX/XX/XXXXUPDATEDXX/XX/XXXXDELETED XX/XX/XXXXUPDATED The accounts that I listed above are still on my credit report and it is starting to cause me financial harm.

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 2025-03-23 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: FL

Complaint narrative:
According to the FCRA ( Fair Credit Reporting Act ), under 15 U.S.C. 1681b ( Section 604 ), a hard inquiry may only be made with a permissible purpose. I am disputing the inclusion of inaccurate inquiries on my credit report that do not meet the criteria under the FCRA. The following inquiries were not authorized by me, and I am requesting their immediate removal. These inquiries are in violation of my rights under the FCRA.

Please conduct a reinvestigation of the following inquiries : XXXX XXXX XXXX XX/XX/2024 This is a formal request under the FCRA that you investigate and delete the unauthorized inquiries from my credit report. I have enclosed a copy of my government-issued ID, proof of address, and a copy of the FTC Identity Theft Report for verification purposes.

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 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I filed a Borrower 's Defense to Repayment application XXXX XXXXXXXX on XX/XX/XXXX, with the Department of Education Student Aid for my federal student loans for the XXXX XXXX XXXX. I have about {$40000.00} in XXXX XXXX and direct loans from this school for law school I attended from XX/XX/XXXX to XX/XX/XXXX. My reason for Borrower 's Defense is that I was originally told that my grant of XXXX XXXX would entirely cover my tuition by the school but I still had to take out an addition {$40000.00} in federal student loans to cover tuition over the course of XXXX years. I eventually had to drop out of school because of the false advertising the school provided and the financial hardship of taking out student loans beyond what I could afford where I originally expected XXXX debt. 

As of today, XX/XX/XXXX, nearly 2 years later, that same Borrower 's Defense application is still showing as Pending and not in Review. The status has not changed at all. I filed a feedback case last year to Dept. of Education Student Aid asking why the status was not updating. The response I got was that it could take up to 3 years for the Borrower 's Defense to be reviewed once it was deemed materially complete, but it did not state why my application was not yet being reviewed and why it's still pending. It seems there's a backlog, the application was missed in the system, and it is still taking over 2 years to deem whether it's materially complete. I provided many supporting documents and information with the application, so I'm sure that it's materially complete.

Company response to consumer: Untimely response