vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage is my federal student loan provider. Theyve put many accounts on forbearance, saying no interest is being accrued during this time, including mine. My account/principal balance on XX/XX/XXXX was {$64000.00}, and it went into forbearance on XX/XX/XXXX. I have 12 total loans with Aidvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had a balance of {$2200.00} from XX/XX/XXXX to XX/XX/XXXX. I chose to pay this loan off in full on XX/XX/XXXX, and payment was confirmed XX/XX/XXXX. I went in to check my balance on the XXXX, and noticed my total balance was {$62000.00}, where my XXXX XXXX XXXX XXXXXXXX XXXX balance was now {$0.00}. {$64000.00} minus {$2200.00} is {$61000.00}, indicating my loan is accruing interest. ( Its {$280.00} more than what it would be if interest wasnt accruing in XXXX ). I can not tell if interest had been accruing during this XXXX range but I dont trust that it wasnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Removal of Inaccurate Late Payments Under the Fair Credit Reporting Act To whom it may concern, I am writing to dispute the accuracy of late payments listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The information being reported is either incorrect or can not be verified and, as such, must be promptly investigated and corrected or removed. 

Account Details : Creditor : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Under FCRA 611, I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. After reviewing my records, I believe the reporting of these late payments is either a result of an error or does not meet the accuracy and verification standards required by law. 

I request that you investigate this matter with the creditor and provide me with a written response detailing the results of your investigation. If the creditor can not verify the late payments with complete accuracy, I respectfully ask that you remove these entries from my credit report. 

To assist with your investigation, I have enclosed the following documents : A copy of my identification ( driver 's license or state ID ) Proof of address ( utility bill or bank statement ) Please be advised that the FCRA requires you to complete this investigation within 30 days of receipt of my dispute. If the investigation finds that the information can not be verified, I expect these late payments to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this inaccurate entry from my credit history. The questionable account is : XXXXXXXX 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 2025-01-28 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: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this inaccurate entry from my credit history. The questionable account is : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am writing to file a formal complaint against Spring Oaks Capital , LLC for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ), Spring Oaks Capital , LLC does not have the required license to operate as a debt collector in Alabama. 

On XX/XX/year>, I was contacted by Spring Oaks Capital , LLC regarding an alleged debt. Despite their communication, I have confirmed that they are not licensed to collect debts in my state, which I understand is a violation of Alabama law and federal guidelines under the Fair Debt Collection Practices Act ( FDCPA ). Their actions raise serious concerns about their compliance with legal requirements. 

I am requesting that the CFPB investigate this matter to determine if Spring Oaks Capital , LLC is violating consumer protection laws by attempting to collect debts in Alabama without the appropriate licensing. Their failure to comply with licensing requirements not only undermines consumer rights but also places undue stress and potential harm on consumers in my state. 

Attached to this letter are the following documents for your review : Copies of correspondence I have received from Spring Oaks Capital , LLC. 
A screenshot or printout from XXXX XXXX XXXX showing their lack of licensing in Alabama. 
I kindly ask for your assistance in addressing this issue and ensuring that Spring Oaks Capital , LLC is held accountable for any violations of federal or state laws. If further information is required, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, XXXX and XXXX Upon reviewing my Consumer Reports, I discovered some inaccurate late payments on an account for which I have always made auto timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX  ], account numbers [ XXXX ]. [ XXXX ] [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide proof, I demand that these late payments be promptly updated to reflect as on-time. Please see attached proof of the inaccurate late payments

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was owed money from cash app and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-28 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-28 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: PA

Complaint narrative:
Experian has not been fairly investigating errors in my credit report specifically to my mortgage and auto loans since XX/XX/year> 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
These accounts will mot remove after so many disputes i have nothing to do with these closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: WI

Complaint narrative:
These accounts will mot remove after so many disputes i have nothing to do with these closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I submitted my XXXX tax return thru XXXX and applied for a XXXX XXXX XXXX. I was approved for {$3000.00} out of my original figured refund amount of {$6100.00}. The {$3000.00} became available in my account on XX/XX/XXXX. On XX/XX/XXXX, I left my phone in a XXXX vehicle. Someone was able to get into my phone and transferred funds from my Credit Karma Account to several different apps I have downloaded on my phone. When my daughter came home on XX/XX/XXXX at approximately XXXX or XXXX, I used her phone to Suspend my XXXX and to locate my XXXX I went and found my phone and saw all the transactions that were made. I then called Credit Karma and told them about the transactions and I filed a dispute but they would only allow me to file the dispute on the Virtual transactions from XX/XX/XXXX that were not on HOLD, they totaled approximately $ XXXX that time they then LOCKED my account and Deactivated my Virtual Card. They would not let me get any of my funds out. They told me to call and file a separate claim for the transactions that were on HOLD still from XX/XX/XXXX. So I sent my proof to them and later that day my account was credited for the first disputes. Then in XX/XX/XXXX, the HOLD transactions went thru. So I called to file the dispute on those transactions, which total approximately {$550.00}. I called every day asking how I could get money from my account and a man with credit karma finally was able to attach my XXXX  Account to the Credit Karma account w them so I could do an instant transfer on XXXX. The on XX/XX/XXXX, I received a notification that my account is LOCKED again! I called them and they said they had no reason to give me behind the account being LOCKED but it would be CLOSED too. So I asked them when that would be happening They told me in a paper check in 90 days! I said what about my money thats in my account?? They said it would come back to me in a paper check in 90 days.. I asked about my IRS Deposit and XXXX XXXX XXXX I needed to pay back and they claimed everything is out of their hands and there was nothing they could do for me anymore and not to call them because a paper check would go out in 90 days! At that time I also asked the gentleman to change my phone number they had listed and to also remove XXXX XXXX XXXX XXXX from my account because I was no longer with themThey didnt do either of those things. Now I did get an email that stated they would be LOCKING my account but the email stated the following : Your account is being LOCKED. If your account does not have a negative balance, please keep an eye on your emails for more information and next steps. If you need help immediately, please reach out to member supportMy account balance is not in the negative so thats when I contacted member support! I applied for the XXXX XXXX XXXX to avoid loosing my home! And now Im not even getting the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I sent letters to Experian on XX/XX/year> asking them for a reinvestigation for the completeness and accuracy of my accounts on my credit report. They didn't update or modify my accounts on my credit reports. according to 15 USC 1681 I5 that's a violation.

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 2025-01-28 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I requested supporting documents that verify the account ( s ) were mines or hadn't been opened fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial istitution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation