vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE REPEATED OFFENDER AFFIANT : XXXX XXXX XXXX XXXX 
XX/XX/year> DEFENDANT : CREDIT CONTROL LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALLEGED ORIGINAL CREDITOR : XXXX XXXX  XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : [ XXXX ] ALLEGED DEBT AMOUNT OR BALANCE XXXX 
CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEAR : CREDIT CONTROL SERVICES INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692D [ I NEVER gave your company consent to use this account XXXX XXXX XXXX IN XXXX ] EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE CREDIT CONTROL SERVICES LLC XXXX, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT XXXX XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAY WITH MY PERSON

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I used Ally Bank 's XXXX service to pay my landlord rent ( {$2500.00} ) by XXXX and it was sent XXXX. However, it was intercepted in the mail and someone forged my landlord 's signature and deposited it into an account that does not belong to my landlord. I confirmed with XXXX Bank that the check was not deposited into her accounts, and she never received the check. 

I did not realize what had happened until XX/XX/XXXX2024. I immediately filed a police report and a XXXX report of stolen mail, and contacted Ally Bank to let them know what had happened. A dispute was opened and on XX/XX/XXXX2024, Ally gave me a provisional credit for the {$2500.00} stolen. However, they revoked that XX/XX/XXXX2025. 
This is a very long XXXX month saga at this point, but I have called Ally Bank on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today, XXXX. We have exchanged messages and I have online chatted with them, to no avail. I provided the police report immediately. When I first called Ally 's XXXX department, the customer service rep told me he had never dealt with anything like this before. Everyone I have spoken to has been kind but incompetent, even providing completely wrong information. 

At various points, they compared the ( forged ) signature to my landlord 's and determined they are the same and the check was authorized. Ally Bank later ( next open dispute ) contacted my landlord, who confirmed she did not receive this check. They have now closed XXXX dispute numbers and opened a XXXX presumably so I will give up and certainly to start the time over. 

Every time I call, I am on the phone for at least XXXX minutes while they put me on hold and try to catch up with all of the notes of what has happened. XXXX  they have told me they would send me forms I would need to fill out quickly and return - I have received no forms, XXXX months later. Today 's call gave me hope because the person I spoke with ( Icalled the Fraud number, not general number ) seemed shocked that Ally had not refunded my money, but after he consulted with the XXXX Resolution Team, came back and was just as unable to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am Listed XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me removed from my Transunion Credit Report. i had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax did not due to proper investigation into several Hard inquiries leading to a decrease in credit score which then made any loan be at a higher rate. This affected XXXX car loans and a mortgage loan increasing the cost of well over XXXX dollars over the course of the loans. Equifax had a data break that caused my rating to be lower than it should have been. Additionally request to remove data XXXX XXXXXXXX, Hard Inquires, Removal of Late Payments under disputes submitted using 15 USC XXXXB and XXXX request repeat thereby causing a reduced ratting and causing the increase rates for loans or credit card request and has cause denial for this causing hardship financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am disputing an inaccurate charge-off reported by American Express on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c Section 605b. 

The reported charge-off is inaccurate because there are mulitple errors across all XXXX bureaus I request an immediate investigation and removal of this inaccurate account. Please respond within XXXX days as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I made a payment for XXXX the payment cleared bank. A payment for XXXX bounced due to them trying to take from wrong account. They are trying to tell me both payments bounced, when it is clearly seen that only the XXXX did not go through. Now they are saying I am XXXX months behind on credit report. This has been hurting my credit, they refused to give me a manager. They told me to go get an attorney to fix this mess even though my account is all paid up. This company should not be in business. I am living in a hotel room with my daughter. how do they even get away with this? It is mind-boggling. The representatives can not read payments correctly. I have asked again on XX/XX/XXXX to speak to a manager, it was refused, got transferred to the lawyer department without my knowledge. now I will be seeking extra conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with MOHELA. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called MOHELA to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX 2024. I called MOHELA multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XXXX 2025, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, MOHELA had wrongly reported my account as delinquent to the credit bureaus, damaging my credit score. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX2024. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX2025, MOHELA placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX2024, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. MOHELA is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

MOHELA has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: IL

Complaint narrative:
My lawyers have been trying to close this short sale for months now. In XXXX of 2025, they sent in the full package for the short sale. On the XXXX, my lender, US Bank, informed them that they had to resend the settlement statment as it was not legible. On the XXXX, my lawyers sent it again. For the past month, my lawyers have been calling US Bank for updates on the document review, however, each time they call an agent from US Bank has told them that they do not need anything else and that the documents are still under review. However, an agent informed my lawyers today that they have needed a legible copy of the HUD since XX/XX/XXXX. Essentially, the lender has lied to my legal team, telling them for the past month that they didn't need anything when in reality they did. They wasted a month of time, which is precious to me as my property is in active foreclosure! My team couldn't do anything, this is fully on the bank. Attached is the HUD... WHICH IS LEGIBLE! The HUD is easily legible, and the fact that the bank is delaying my sale because something that can be read apparently cant be is infuriating. They should not be allowed to do this! Please see attached documents ... and confirm : Is it legible?

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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per XXXX XXXX, I formally ask for their deletion within XXXX days. Relevant documents are attached for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per XXXX XXXX, I formally ask for their deletion within XXXX days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I received an email stating that I had been removed as a sponsor on my minor child 's cashapp account and an email stating cashapp had blocked a payment to my son from a person we do not know. When I went to access his cashapp account, the balance that was well over {$250.00} that had been in his account was now gone. We used his cashapp card for a door dash delivery of {$19.00} and some change the previous day and that's all of the transactions that were made on our end the entire month and the account was closed. When I called cashapp support they keep insisting there's no way to recover the funds because I'm no longer a sponsor on this account and they can not access it either. They continue to send me emails with instructions on how to file a dispute but all those directions require the sponsor to log into the closed account. This is impossible for me to do since I was fraudulently removed as the sponsor and the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am filing this complaint regarding a disputed charge on my credit card that was wrongfully denied despite clear evidence of merchant misrepresentation, and failure to provide promised services. 

Background : On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged amounts totaling to {$13000.00} by XXXX XXXX XXXX for services related to my wedding event on XX/XX/year>. However, the venue failed to fulfill multiple contractual obligations, severely impacting the event and making the services unfit for their intended purpose. 

Key Issues with the Merchants Services : XXXX. Failure to Provide Promised Heating and Weather Protections The venue explicitly promised heaters and wind barriers for an outdoor tented reception. 
Three days before the event, they informed us that heaters would not be provided due to a fire marshal restriction, something that was never disclosed beforehand. 
No alternative solutions were offered, leaving guests exposed to freezing temperatures and strong winds, leading to some elderly guests falling ill and leaving early. 
2. Unsafe Conditions Leading to Injury The venue failed to secure outdoor equipment, leading to an umbrella striking my mother-in-law. 
She was diagnosed with a concussion after being taken to the emergency room. 
The venues negligence created a dangerous environment for guests. 
3. Restricted Access to Contractually Promised Indoor Spaces We were explicitly promised access to several indoor rooms ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On the day of the event, we were denied access to these spaces without notice, forcing guests to endure harsh weather. 
Our caterer was also denied access to these areas, disrupting the planned setup. 
4. Merchant Misrepresentation and Refusal to Take Responsibility When we confronted the venue staff, they denied making these promises, despite recorded evidence from our venue tour. 
The venues actions resulted in emotional distress, financial loss, and an overall ruined experience. 

Dispute Filing and Credit Card Issuers Response : I filed a dispute with my credit card issuer Robinhood under the reason services not rendered as promised. 
The issuer denied the dispute, citing that the merchant provided services and the transaction amount was correct. 
However, the merchants services were not provided as agreed upon, and I have supporting evidence, including : Emails, contracts, and venue tour recordings showing the promised services Medical records from the injury caused by the venues negligence Guest testimonies confirming the unsafe and uncomfortable conditions Requested Resolution : I am requesting the CFPB to intervene and require my credit card issuer to reconsider this dispute based on the clear breach of contract and misrepresentation by XXXX XXXX XXXX. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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