vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: AR

Complaint narrative:
Equifax TransUnion and Experian SEE THERE ATTACHED RESPONSES Iam not verifying ANYTHING OR SEND OUT DUPLICATE anything more these XXXX bureaus have been notified SEE ATTACHED Equifax has XXXX days to comply and remove off my credit DISAPPEAR XXXX XXXX XXXX has ordered it too be removed and I get this XXXX mailed to a relative see address they sent to I DONT LIVE THERE I only put in a change of address with Post Office I never gave them authority to send this kind of correspondences BY XXXX WAY I HAVE A RIGHT TO HAVE MY MAIL I CHOOSE TO BE SENT DIFFERENT PLACES as well whom in the XXXX commits fraud and or disputes a collection if its not them I DONT NEED TRHEM BUT TO ONLY FOLLOW THE LAW YOU ALL HAVE XXXX BUISNESS DAYS TO COMPLY AND FOLLOW NATIONAL CREDIT INSTRUCTION TO REMOVE OR FOLLOWING WILL BE A LAW SUIT IN THE COURT OF LAW FOR DAMAGES attached is proof of who I am and ] matches my profile KICK ROCKSA AND GET SUED CFPB YOU NEED TO PUBLISH THIS AND BE SUED beside XXXX XXXX XXXX XXXX down CFPB anyway its waste of money CLEAN THE SWOMP sorry for my attitude but when you produce a letter that clearly ordering the removal and you fck with me Iam about to get in your pockets with a law suit ITS AGAINST FEDERAL REPORTING GUIDSE LINES AND YOU KNOW IT AND BIG DAMAGE HAS BEEN DONE

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Equifax TransUnion and Experian SEE THERE ATTACHED RESPONSES Iam not verifying ANYTHING OR SEND OUT DUPLICATE anything more these XXXX bureaus have been notified SEE ATTACHED Equifax has XXXX days to comply and remove off my credit DISAPPEAR XXXX XXXX XXXX has ordered it too be removed and I get this XXXX mailed to a relative see address they sent to I DONT LIVE THERE I only put in a change of address with Post Office I never gave them authority to send this kind of correspondences BY XXXX WAY I HAVE A RIGHT TO HAVE MY MAIL I CHOOSE TO BE SENT DIFFERENT PLACES as well whom in the XXXX commits fraud and or disputes a collection if its not them I DONT NEED TRHEM BUT TO ONLY FOLLOW THE LAW YOU ALL HAVE XXXX BUISNESS DAYS TO COMPLY AND FOLLOW NATIONAL CREDIT INSTRUCTION TO REMOVE OR FOLLOWING WILL BE A LAW SUIT IN THE COURT OF LAW FOR DAMAGES attached is proof of who I am and ] matches my profile KICK ROCKSA AND GET SUED CFPB YOU NEED TO PUBLISH THIS AND BE SUED beside XXXX XXXX XXXX XXXX down CFPB anyway its waste of money CLEAN THE SWOMP sorry for my attitude but when you produce a letter that clearly ordering the removal and you fck with me Iam about to get in your pockets with a law suit ITS AGAINST FEDERAL REPORTING GUIDSE LINES AND YOU KNOW IT AND BIG DAMAGE HAS BEEN DONE

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 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute of Inaccurate Repossession Reporting Account # XXXX I am formally disputing the inaccurate reporting of a repossession on my credit file for account # XXXX, ** which was opened on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that all reported information is accurate, complete, and verifiable. However, I have identified multiple inaccuracies in the reporting of this account, including but not limited to : The date opened is incorrect. 
The high credit/original loan amount is incorrect. 
The date of the last payment is incorrect. 
There are discrepancies in how this repossession is being reported across the major credit bureaus. 

Additionally, the repossession itself was conducted improperly. I was not given the opportunity to retrieve my personal belongings from the vehicle, including valuable and irreplaceable memorabilia from deceased relatives. This failure to allow me access to my possessions further demonstrates that the repossession was not handled in accordance with proper procedures and raises further concerns about the legitimacy of its reporting. 

Because the information being reported is inaccurate, inconsistent, and unverifiable, I am demanding that this repossession be removed from my credit report immediately. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter to ensure that my rights are upheld under federal law. 

Enclosed, you will find copies of my credit reports highlighting the discrepancies, along with my formal complaint to the CFPB. Please conduct a thorough investigation and provide me with written confirmation that this inaccurate and unjust information has been removed from my credit file. 

If this matter is not resolved promptly, I am prepared to take further action, including seeking legal remedies to enforce my rights under the law. I look forward to your swift response and resolution.

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 2025-02-14 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: CA

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report and bring to your attention your failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligent noncompliance with the statute.

Upon reviewing my credit report, I have identified the following inaccuracies that I believe are a direct result of your failure to maintain reasonable procedures to ensure the accuracy and integrity of the information provided : * XXXX XXXX XXXX ( # XXXX ) * XXXX XXXX XXXX ( # XXXX ) As per the provisions of the FCRA, you are required to ensure that any information provided to credit reporting agencies is accurate, complete, and up-to-date. I believe that your failure to comply with this requirement has caused significant harm to my creditworthiness, and I am requesting that you immediately investigate and correct this matter.

Under 15 U.S.C. 1681o, you are liable for any damages caused by your negligent noncompliance, which includes any failure to properly investigate disputes or maintain accurate reporting. Please be advised that I am requesting that the disputed information be reviewed and corrected accordingly. 
I expect a formal response within the statutory timeframe of 30 days as stipulated by the FCRA, and should the dispute not be resolved satisfactorily, I will not hesitate to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal recourse under 15 U.S.C. 1681o for the civil damages associated with negligent noncompliance. 
Please confirm in writing the actions you have taken to investigate and resolve this dispute at your earliest convenience. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report and bring to your attention your failure to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligent noncompliance with the statute.

Upon reviewing my credit report, I have identified the following inaccuracies that I believe are a direct result of your failure to maintain reasonable procedures to ensure the accuracy and integrity of the information provided : * XXXX XXXX XXXX ( # XXXX ) * XXXX XXXX XXXX ( # XXXX ) As per the provisions of the FCRA, you are required to ensure that any information provided to credit reporting agencies is accurate, complete, and up-to-date. I believe that your failure to comply with this requirement has caused significant harm to my creditworthiness, and I am requesting that you immediately investigate and correct this matter.

Under 15 U.S.C. 1681o, you are liable for any damages caused by your negligent noncompliance, which includes any failure to properly investigate disputes or maintain accurate reporting. Please be advised that I am requesting that the disputed information be reviewed and corrected accordingly. 
I expect a formal response within the statutory timeframe of 30 days as stipulated by the FCRA, and should the dispute not be resolved satisfactorily, I will not hesitate to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal recourse under 15 U.S.C. 1681o for the civil damages associated with negligent noncompliance. 
Please confirm in writing the actions you have taken to investigate and resolve this dispute at your earliest convenience. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
Due to the legitimation surrounding the XXXX payment program, I have been placed into forced forbearance " Awaiting Form Administrative Forbearance '', not due to ANY FAULT of my own. During this time, I am not receiving credit towards Public Service Loan Forgiveness, despite continuing to send payments in and work at a qualified institution. 

To try to get out of the XXXX  payment I have applied to change to a different repayment program submitted this form electronically on the federal student aid website on XX/XX/XXXX. I confirmed MOHELA 's receipt of this application on XX/XX/XXXX. Despite typical processing being XXXX business days, I was told 90 business days. 90 business days from XX/XX/XXXX is XX/XX/XXXX. And still my account remains in forced forbearance. In between submission and present day, I have called multiple times requesting an update and have been told it is still in process. Each month that goes by does not count towards PSLF and HARMS me financially. This is a time sensitive issue that needs to be addressed. 

Their communications, which have been sparse and at times confusing, indicate " You may cancel the forbearance at any time to resume immediate repayment. '' This is NOT true. I have asked and pleaded to be taken out of forbearance and denied this.

I simply ask to be placed on the appropriate payment plan so that the time I am serving my community qualifies for Public Service Loan Forgiveness. I do know believe I am asking for something outrageous, but rather that my loan servicer meet their proper obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I had a loan with XXXX, which was sold to Mr Cooper late last year. 

I received a notice that my taxes were unpaid and that my home would be part of a tax sale. 

When I check the websites for both banks, they both show as if they each paid their half of my taxes. 

Upon further review, it appears that Mr Cooper did not pay properly, and now my name and address are publicly posted in the local newspaper, as if I failed to pay my own taxes. Completely embarrassing and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

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 2025-02-14 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: VW Credit
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Unauthorized Hard Inquiries Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. Upon reviewing my credit report, I noticed the following hard inquiries that I do not recognize and did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to the FCRA, hard inquiries are only permissible with my explicit authorization or in connection with a credit application or transaction initiated by me. I did not authorize these inquiries, nor have I conducted any transactions or submitted applications with these entities that would justify their presence on my credit report. 

I kindly request that you investigate these inquiries and provide documentation of my authorization or remove them from my credit report immediately. Please note that inaccurate or unauthorized hard inquiries can negatively impact my credit score, and their removal is of utmost importance.

Attached, you will find the following documents to assist with your investigation : A copy of my government-issued photo ID A copy of a utility bill or bank statement to verify my current address A copy of the relevant section of my credit report highlighting the disputed inquiries I appreciate your attention to this matter and request a written confirmation of your findings or the removal of the disputed inquiries within the time frame allowed by the FCRA. If you require additional information, please contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-02-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Unauthorized Hard Inquiries Dear XXXX, I am writing to formally dispute unauthorized hard inquiries on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX. Upon reviewing my credit report, I noticed the following hard inquiries that I do not recognize and did not authorize : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX According to the FCRA, hard inquiries are only permissible with my explicit authorization or in connection with a credit application or transaction initiated by me. I did not authorize these inquiries, nor have I conducted any transactions or submitted applications with these entities that would justify their presence on my credit report. 

I kindly request that you investigate these inquiries and provide documentation of my authorization or remove them from my credit report immediately. Please note that inaccurate or unauthorized hard inquiries can negatively impact my credit score, and their removal is of utmost importance. 

Attached, you will find the following documents to assist with your investigation : A copy of my government-issued photo ID A copy of a utility bill or bank statement to verify my current address A copy of the relevant section of my credit report highlighting the disputed inquiries I appreciate your attention to this matter and request a written confirmation of your findings or the removal of the disputed inquiries within the time frame allowed by the FCRA. If you require additional information, please contact me at ( XXXX ) XXXX or XXXX Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
In total there are 4 accounts on my credit report i don't recognize. A " XX/XX/XXXXXXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$520.00} balance. Another " XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$1500.00} balance. A " XXXX XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$510.00} balance. A " XXXX XXXX '' opened on XX/XX/XXXX with a {$0.00} balance.

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 2025-02-14 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: GA

Complaint narrative:
In total there are 4 accounts on my credit report i don't recognize. A " XX/XX/XXXXXXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$520.00} balance. Another " XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$1500.00} balance. A " XXXX XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$510.00} balance. A " XXXX XXXX '' opened on XX/XX/XXXX with a {$0.00} balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Financial Freedom Group, LLC
State: WI

Complaint narrative:
I agreed to a XXXX year payment plan with Debt BlueXXXX for assistance with my Credit card and medical debt. This agreement started XXXX of XXXX. Several attempts to contact DebtBlue, which changes names between XXXX and Debt Blue, have been unsuccessful. Every indidual I call has a pre recorded message " We are experiencing higher than average call volume '' regardless of time of day or day of the week. XXXX phone calls were unreturned. XXXX Emails have gone unreturned. 
Emails I have sent to XXXX, and XXXX, and XXXX have not been returned. Phone calls to XXXX, XXXX, and XXXX have not been returned. 
I need confirmation that the last monthly debit in the amount of XXXX will occur XX/XX/XXXX and result in XXXX  from the program, bringing my total amount paid to XXXX USD.

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