vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX  - XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX XXXX BANK NA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries : XXXX. XXXX XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX  BANK NA o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX CARD o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX  - XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} XXXX XXXX XXXX  BANK NA o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries : XXXX. XXXX XXXX XXXX  o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX XXXX XXXX BANK NA o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX XXXX o Date : XX/XX/XXXX XXXX. XXXX CARD o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX o Date : XX/XX/XXXX XXXX. XXXX  CARD o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX XXXX. XXXX  o Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA
State: MI

Complaint narrative:
I already opened a complaint against Mohela. They call repeatedly harassing me claiming to be XXXX for XXXX verbally over the phone. I repeatedly asked them to send paper correspondence re : the debt, I asked them to send my the assignment, I asked them repeatedly to direct me to where to stop phone calls. 

Today I spoke to " supervisor '' XXXX XXXX XXXX No XXXX. I told her I have an open cpfb and XXXX complaint and I want the calls to stop and correspondence mailed and I'm logging the call. She assumed I was recording her ( the company is on a recorded line ) and told me I don't have her permission to record. I told her its not up to her, her company records the calls so I can too. She got rude and aggressive and then lied, saying she never said I couldn't record her when I repeatedly explained that its not up to her when she's on her recorded company line. I asked for a supervisor. She initially refused to give me to a supervisor. I had to argue with her to get XXXX. 

The other " supervisor '' employee number XXXX first refused to send me correspondence of any kind, told me she would direct me to the cease and desist department address, ( finally ) but I told her that's not good enough. The harassment needs to stop. Both business and personal phone lines several times a day. that I want the paper documents. She told me I would have to give her my confidential information. I don't know that these people are legitimate XXXX or not. So far they have not operated as legal debt XXXX, have refused my standard requests for documentation, and have continued their harassment. 

they have my phone numbers, I keep my information updated with any entity I owe a bill to and they can send me the information if they are truly legitimate. Why would I give them my bank information, birthdate, or even the last XXXX of my social security number when they are repeatedly using harassment and refusing standard requests to show legitimacy? 

I won't. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information. Please make sure to correct my address as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
THE ACCOUNT IN QUESTIO HAS BEEN ILLEGALLY RE INSERTED INTO MY CREDIT PROFILE

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 2024-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX Received a letter from Meade & Associates saying I owe {$250.00} to XXXX Ohio XXXXXXXX XXXX XXXXrom a service on XX/XX/XXXX XX/XX/XXXX sent a dispute via email to XXXX XXXX XXXX requesting the following- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor. 

XX/XX/XXXX received a letter from Meade & Associates saying here is a copy of your billing with the above client named. Please remit payment in full. The enclosed proof was an account statement for a women who is not me for a service on XX/XX/XXXX. 

Meade & Associates failed to provide all requested information- XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including a detailed, itemized breakdown of the {$250.00}, also specifying the principal, interest, fees, and any other charges. 
XXXX. Copies of any documentation or contracts bearing my signature that substantiate the validity of this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the original creditor.

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 2024-12-13 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:
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of XXXX section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: HI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-13 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: WA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: WA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report. 
The fraudulent accounts and inquiries I request to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$4900.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XXXX o Amount : {$690.00} XXXX. XXXX COLLECTIONS XXXX Account Number : XXXX o Date Opened : XXXX o Amount : {$130.00} XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XXXX o Amount : {$150.00} INQUIRIES : 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 2024-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
Subject : Complaint Regarding Escrow Account Mismanagement and Failure to Address Property Tax Exemption To Whom It XXXX Concern, I am filing this complaint regarding XXXX Mortgages handling of my escrow account. I am a XXXX XXXX XXXXXXXXXXXX XXXX, and under Oklahoma state law, veterans with this designation are exempt from paying property taxes. Despite my repeated requests, XXXX Mortgage has failed to recognize and implement this exemption. 

Specifically, my concerns are as follows : Failure to Remove Property Taxes from Escrow Account I have informed XXXX Mortgage of my property tax exemption status and provided necessary documentation. However, XXXX Mortgage has not removed property tax payments from my escrow account, in direct disregard of my exemption under state law. 

XXXX XXXX XXXX XXXX Mortgage has not conducted an accurate escrow analysis reflecting the removal of property taxes. This oversight has led to incorrect calculations of escrow requirements and unjustified overcharges. 

Refund of XXXX Overages The continued collection of property taxes through my escrow account has resulted in an overage. I request an immediate refund of all overages related to property tax payments that I am exempt from. 

XXXX of XXXX Mortgage Payments My monthly mortgage payment has not been adjusted to account for the removal of property taxes. This failure has resulted in undue financial strain, as I am paying an inflated amount. 

I respectfully request the following resolutions : XXXX removal of property taxes from my escrow account. 
A corrected escrow analysis reflecting the removal of property taxes. 
Refund of all overages in my escrow account resulting from the misapplication of property taxes. 
XXXX of my monthly mortgage payment to reflect the absence of property taxes. 
As a XXXX, I expect XXXX Mortgage to act in compliance with state laws and in good faith to address this matter promptly. 

I appreciate your assistance in ensuring XXXX Mortgage resolves this issue effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and Potential Retaliatory Actions I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX concerning the inaccurate reporting of XXXX missed payments on my credit report and potential retaliatory actions following a prior complaint I filed regarding excessive interest charges. 

Details of the Complaint : Inaccurate Credit Reporting : XXXX has reported XXXX missed payments on my account Account Number : XXXX, which is incorrect. I have consistently made all payments on time, as evidenced by the attached payment history. 
Potential Retaliatory Actions : Subsequent to filing a complaint about excessive interest charges XXXX months ago, XXXX reported these alleged missed payments. This sequence of events suggests possible retaliation for exercising my consumer rights. 

Supporting Documentation : Payment history records demonstrating timely payments. 
Credit report highlighting the erroneous entries. 
Correspondence with XXXX regarding the prior complaint about interest charges. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, upon receiving notice of a dispute from a consumer, furnishers are required to conduct an investigation and, if the information is found to be inaccurate, promptly notify each consumer reporting agency to which the information was furnished and provide any necessary corrections ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ). 

Requested Resolution : 1. Immediate correction of the inaccurate information on my credit report.

2. A thorough investigation into XXXX reporting practices and potential retaliatory actions.

3. Assurance that such inaccuracies and potential retaliatory actions do not recur.

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 2024-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing this formal complaint in regards to numerous cash app transactions that was stolen from me from numerous scam accounts but same person from my cash app account ( XXXX ) ..I have filed a police report for theft and identity theft on the user have stolen my identity and who stolen money from me, opening fraudulent accounts under my name, and starting leases in my name to continuously steal from me and others under my name. I have submitted my police report to Cash App along with my legal filing but they are not honoring my dispute. As a cash app user of XXXX years I have never had any issues with my account and did not deserve thousands of dollars being stolen from me and my account being shut down because someone stole my identity. And its even more unfortunate that cash app refunded me {$50.00} out of the {$6200.00} but it is the same person whos stolen from me. I take care of my family and cash app is the service I use to send them money and need my money back ASAP. This has put me behind on rent, bills, loss of work hours, food, and much more due to the severity of this situation. I should not have to suffer because someone else stole from me ; and I deal with the consequences and the scammer is able to steal and pose as CashApp and can continue to use their platform because CashApp doesnt protect the innocent. CashApp suggested requesting money from a scammer but how does that even logically make sense. I have tried working with XXXX but they say CashApp should refund me the money that was stolen from me and chargeback those accounts! 
Below are the transactions listed below : XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Cash App XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Cash App XXXX {$100.00} XX/XX/XXXX From XXXX XXXX XXXX Cash App XXXX {$50.00} XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX XXXX Cash App XXXX {$430.00} XX/XX/XXXX From XXXX XXXX Cash App XXXX {$200.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$350.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$150.00} XXXX To XXXX XXXX Cash App XXXX {$400.00} XXXX To XXXX XXXX Cash App payment XXXX {$760.00} XXXX To XXXX XXXX Cash App XXXX {$1000.00} XXXX To XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$250.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$40.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$300.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$180.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$130.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$800.00} XX/XX/XXXX To XXXX XXXX Cash App XXXX {$300.00}

Company response to consumer: Closed with explanation