vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WA

Complaint narrative:
I dispute the following hard inquiries on my credit report : [ XXXX XXXX, XX/XX/year> ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I did investigation on my credit report and found several items on there to be identity theft I demand this to come off my credit immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I did investigation on my credit report and found several items on there to be identity theft I demand this to come off my credit immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: FL

Complaint narrative:
This is a reply to the CFPB via # XXXX please be advised Under the XXXX XXXX XXXX XXXX and Consumer Protection Act, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The Bureau found that Edfinancial violated the Consumer Financial Protection Act by engaging in deceptive acts and practices. Edfinancial encouraged borrowers to reach out to it for help managing their student loans, and it indicated that it was an expert and could assist borrowers navigating complex student-loan repayment options. FFELP borrowers reasonably relied on Edfinancial to act in their best interests by providing them with complete and accurate information about how to qualify for PSLF and about all the available forgiveness options. Specifically, the company harmed student loan borrowers by : Misrepresenting that FFELP borrowers could not receive PSLF : When borrowers with FFELP loans asked about PSLF, Edfinancial, in many instances, told them they were ineligible, and the company did not tell them they could become eligible by consolidating their loans into Direct Loans and meeting other qualifying requirements. Sometimes, Edfinancial falsely told borrowers their FFELP loans could not be consolidated. These statements, misrepresentations, and omissions created the false impression for borrowers with FFELP loans that they could not obtain PSLF.

Misrepresenting that FFELP borrowers were making payments towards PSLF before loan consolidation : Edfinancial, in both explicit and implicit statements, told borrowers that their payments on FFELP loans would count toward the 10 years of monthly payments required to obtain PSLF. Many borrowers were likely led to believe they were making progress toward PSLF when in fact they were not because they had not consolidated their FFELP loans into Direct Loans.

Misrepresenting to borrowers that certain jobs were not eligible for PSLF : In numerous instances, Edfinancial explicitly stated that certain jobs would not qualify for PSLF when they in fact did. In other instances, Edfinancial failed to include entire job categories, such as non-profit work, when discussing PSLF qualifying jobs. Edfinancials statements likely caused many eligible borrowers to not consider PSLF as a forgiveness possibility.

Describing forgiveness programs to FFELP borrowers without mentioning PSLF : When FFELP borrowers asked about forgiveness options available to them, Edfinancial representatives often described forgiveness options available only for FFELP loans and failed to mention PSLF. The companys statements and omissions created the impression that PSLF was not an option for many FFELP borrowers. FFELP borrowers may have elected not to pursue PSLF because they were either unaware of PSLF or did not think the program applied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: First Mile Group, Inc.
State: WA

Complaint narrative:
My spouse and I attempted to transfer our business accounts to XXXX XXXX XXXX  this week in XX/XX/year>. XXXX XXXX XXXX  said they could not open our business accounts because XXXX said our business was high risk and there was mismatched information. Id like to find out why XXXX reported this to XXXX, but I can find no contact information for this company. Could you help me find this information that XXXX says it has about our business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. They are reporting 60 days late when i was never 30 days late. Ive attached a copy of my report to this complaint on the following dates, ( XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I wasn't told that the interest rate was that high I borrowed XXXX I was told to pay XXXX monthly back. I would XXXX XXXX to pay off my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiries were not and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am submitting a formal complaint against JPMCB Card regarding a collection charge-off inaccurately reported on my credit file. Below are the details of the disputed account : Creditor : JPMCB Card Date of Charge-Off : XX/XX/year> I have previously disputed this charge-off with the credit reporting agencies ( XXXX, XXXX, and XXXX ), but they have failed to take corrective action. Furthermore, JPMCB Card has not provided proper verification of this alleged debt, despite my requests, violating both federal and Texas state laws governing debt collection and reporting.

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request validation of any debt. JPMCB Card has failed to provide the required verification while continuing to report this charge-off. Additionally, under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be corrected or removed from credit reports following an investigation. Texas State Violations : Under Texas Finance Code, Section 392.202, I am entitled to dispute any reported debt and require the creditor to validate the debt or cease reporting it. Moreover, under Texas Civil Practice & Remedies Code Section 16.004, the statute of limitations
for debt collection is 4 years. Since this debt dates back to XX/XX/year>, it is now time-barred and legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to fcra section 605b it illegal to report anything on my report without my permission.remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX on my transunion report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by NCA ( National Credit Adjusters ) on my credit report. However, I do not recognize this debt, and NCA has not provided any information about the original creditor or type of debt. 

Account Opened : XX/XX/XXXX Balance : {$430.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have disputed this debt with NCA and the credit bureaus, but they continue to report it without proper validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request written verification of the debt, including : 1. The name of the original creditor 2. A full payment history and breakdown of how the amount was calculated 3. Proof that NCA has the legal right to collect this debt I formally requested this information from NCA, but they failed to provide proper validation and continue to report this account. This unverified debt is damaging my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: NC

Complaint narrative:
On XX/XX/year> I briefly opened a Sezzle account. While trying to add my XXXX debit card to their system for payments I was unable to add the card. Sezzle 's system kept removing my apartment number so the card could not be added. I immediately closed the account, however, somehow Sezzle was still able to send a 7-day hold authorization through onto my XXXX card. Now I can not trust that my card info has not been compromised. I tried to close my XXXX account, however, XXXX states that Sezzle has placed the hold on the card and I can not close it until Sezzle removes the hold. 

On XX/XX/XXXX & XXXX, XXXX  I asked Sezzle to remove the XXXX-day hold authorization. They refuse to remove the hold AND ALSO they refuse to delete my card information from their system even though I closed the Sezzle account immediately after experiencing this issue. I NEVER EVEN MADE A PURCHASE THROUGH SEZZLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Subject : URGENT DEMAND TO CORRECT PERSONAL INFORMATION & DELETE INACCURATE ACCOUNTS FCRA 611 ( a ), TEXAS FINANCE CODE 392 To Whom It May Concern : I dispute multiple inaccuracies in my Equifax credit file, including misspelled names, fraudulent addresses, and unauthorized employment entries. These errors violate federal/state law and suggest a mixed file. 

Critical Personal Information Errors Misspelled Names : Incorrect : 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 

Legal Violations FCRA 607 ( b ) : Failure to maintain accurate data.

Texas Finance Code 392.304 ( a ) ( 8 ) : Misrepresentation of personal details. 

Mixed File Risk : Errors like XXXX XXXX and CT addresses indicate merged data. 

Demands Correct all personal information to reflect my legal name, XXXX address, and self-employment. 

Delete all accounts tied to : XXXX addresses or unauthorized employers. 

Any activity reported before XX/XX/year> ( prior to my move to XXXX ). 

Provide written confirmation and a revised credit report. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs systemic inaccuracies. 

Texas AG Lawsuit : For deceptive practices under Texas DTPA.

Legal Action : For FCRA violations and defamation.

Enclosed : Copy of Texas Drivers License. 

Social Security card. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB, Texas Attorney General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-31 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:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year>, A guy called XXXX XXXX came to my job and talked about pyramid scheme that can double your money. I sent my hard earned money to him and never heard from him. When I asked him about my money he said its gone. I sent it to him through cash app, when I contacted cash app they said they dont refund that my money is gone I was so devastated that my hard earned money was never refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
i sent a police report to them tell them that this not my account they said it is but no id to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against HERITAGE XXXX regarding a collection charge-off and inaccurate reporting on my credit file. Below are the details : Creditor : HERITAGE XXXX Date of Charge-Off : XX/XX/year> Despite my previous disputes with the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX no corrective action has been taken. HERITAGE XXXX has failed to provide proper verification of the alleged debt, violating both federal and Texas state laws governing debt collection and credit reporting practices. 

Additionally, this debt is time-barred under Texas law XXXX as the original delinquency exceeds the 4-year statute of limitations. Despite this, HERITAGE XXXX  continues to report over 17 late payments, which is inaccurate and misleading.

Legal Violations Federal Violations : Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), I have the right to request and receive debt verification. HERITAGE XXXX has not provided verification yet continues to report this charge-off.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct any information that can not be verified after an investigation.

Texas State Violations : According to Texas Finance Code, Section XXXX, consumers are entitled to dispute debts and require verification from creditors. 

Under Texas Civil Practice & Remedies Code Section XXXX, the statute of limitations for debt collection is 4 years. Since this account originated in XX/XX/year>, it is now time-barred and legally unenforceable. 

I request immediate action to resolve these issues, including the removal of inaccurate information from my credit file and the cessation of any further reporting or collection attempts on this time-barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
The account listed is not mine and was open without my consent

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