vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp also known as Block, refuses to help with refunds and complaints the way that a financial institution should. I informed them that I had been scammed and I was trying to get my money back from one of their users. They refused to assist me and their bot and rep could care less about what was going on. Their lack of concern made it seem like they knew the person was a fraud, but refused to do anything about it. I'm certain that I wasn't the only person who had been scammed by the individual. The individual was pretending to be a Certified Public Accountant, but it turned out to be a lie. I brought it Cashapp 's attention in order to get my money back. They told me to send a refund request to them, but when attempting to submit the request their app wouldn't allow me to do so. They shouldn't be allowed to continue operating as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
Without my approval, on XX/XX/XXXX 2024, MOHELA placed my student loans into an in school deferment and then a forbearance, capitalizing {$17000.00} in interest. This happened the same date MOHELA notified me that they were transitioning to the new .gov servicing platform. 
At the time, I was in school, however MOHELA had on file an in school deferment waiver that was effective XX/XX/XXXX2024. When I called MOHELA did confirm that they had the waiver on file, and they agreed to remove the deferment. 
After my call, the in school deferment was changed to a forbearance and then eventually removed on XX/XX/XXXX24. When his happened MOHLEA capitalized XXXX in interest. I have been trying and trying, unsuccessfully for months to work with MOHELA to have this corrected. 

I have attached a copy of the deferment waiver, the notices that the platform was transitioning, and that my loans were placed into an in school deferment, and statements showing the {$17000.00} that was capitalized on XX/XX/XXXX24.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: DC

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-02-18 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number ( last four digits ) : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/24 Company That Performed Inquiry : SCREENING REPORTS XXXX Date of Inquiry : XXXX/XXXX/24 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-02-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a goodwill adjustment for a late payment reported on my account in XX/XX/XXXX to all three credit bureaus. Since opening my account in XXXX, I have been a responsible and loyal customer, consistently making my payments on time. However, during the period of this late payment, I was experiencing an unexpected financial hardship due to a COVID-related job loss. Despite these challenges, I made every effort to meet my financial obligations, and I have since maintained a strong payment history. 

I want to emphasize that this late payment is not reflective of my usual credit behavior, and I deeply value my relationship with your company. Unfortunately, this single negative mark has significantly impacted my credit score, making it difficult for me to secure an apartment and lease a car.

I understand that, under 15 U.S. Code 1681a ( 2 ) ( A ), a consumer report does not include information solely based on direct transactions between a consumer and a creditor. Additionally, 15 U.S. Code 1666b ( a ) states that payments on a credit card under an open-end consumer credit plan should not be considered late for certain purposes. Given my long-standing positive payment history, I respectfully request that your company exercise its discretion and remove this late payment from my credit reports as a gesture of goodwill.

I sincerely appreciate your time in reviewing my request. I hope to continue a long and positive relationship with your company and would be grateful for your assistance in helping me restore my credit standing. Please let me know if you require any further information to facilitate this adjustment. 

Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a goodwill adjustment for a late payment reported on my account in XX/XX/XXXX to all three credit bureaus. Since opening my account in XXXX, I have been a responsible and loyal customer, consistently making my payments on time. However, during the period of this late payment, I was experiencing an unexpected financial hardship due to a COVID-related job loss. Despite these challenges, I made every effort to meet my financial obligations, and I have since maintained a strong payment history. 

I want to emphasize that this late payment is not reflective of my usual credit behavior, and I deeply value my relationship with your company. Unfortunately, this single negative mark has significantly impacted my credit score, making it difficult for me to secure an apartment and lease a car.

I understand that, under 15 U.S. Code 1681a ( 2 ) ( A ), a consumer report does not include information solely based on direct transactions between a consumer and a creditor. Additionally, 15 U.S. Code 1666b ( a ) states that payments on a credit card under an open-end consumer credit plan should not be considered late for certain purposes. Given my long-standing positive payment history, I respectfully request that your company exercise its discretion and remove this late payment from my credit reports as a gesture of goodwill.

I sincerely appreciate your time in reviewing my request. I hope to continue a long and positive relationship with your company and would be grateful for your assistance in helping me restore my credit standing. Please let me know if you require any further information to facilitate this adjustment. 

Thank you for your time and consideration. I look forward to your response.

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 2025-02-18 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit file, I discovered that XXXX  XXXX XXXX placed a hard inquiry on my report on XX/XX/year>2023, without my authorization or any permissible purpose. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681b, which strictly limits when and how a company can access a consumers credit report. 

I did not apply for any credit product with XXXX  XXXX XXXX on or around this date, and I have no record of authorizing such an inquiry. If you claim otherwise, I demand that you provide documented proof of my consent within 10 days of receiving this letter. Failure to do so will leave me no choice but to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will consider pursuing legal action for damages caused by this unauthorized inquiry. 

This hard inquiry has negatively impacted my credit score, and I expect XXXX  XXXX XXXX to act immediately. You have 10 days from the receipt of this letter to remove this inquiry and provide written confirmation of its deletion. If no action is taken within this time frame, I will be forced to pursue all available legal remedies. 

This letter serves as formal notice under the FCRA. I expect a prompt resolution. You may send your response in writing to the address listed above. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dear Sirs : I hope that you are doing well. Im writing this email to address a dispute, I filed with Chime ( The XXXX on XX/XX/year>. There are 12 charges that were taken out of my Chime checking account ending in XXXX XXXX that were unauthorized. 

Chime closed my debit card due to unauthorized charges by XXXX. They refused to credit me back the {$230.00} unauthorized charges. I asked Chime moving forward to block any transactions from XXXX moving forward to protect my account. I havent used XXXX in almost a year. I gave Chime proof. I would like the {$230.00} credited back to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate removal of a hard inquiry from my credit report made by XXXX XXXX on XX/XX/scrub> 2024. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), a company is required to have my explicit permission before accessing my credit report. If you can not provide documented proof of my consent for this inquiry, it must be removed immediately. 

This is a serious matter, and I expect prompt action. If this unauthorized inquiry is not removed within 30 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. Furthermore, I will consider legal action for damages caused by this violation. 

To resolve this matter quickly, I expect written confirmation that the hard inquiry has been deleted from all credit bureaus. Failure to comply will leave me no choice but to pursue all available legal remedies. 

I demand a written response within 15 days confirming the removal of this inquiry. If you have any questions, you may contact me at the information provided above. However, I will not tolerate any delays or dismissals regarding this matter. 

This letter serves as official notice. Take immediate action. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

I recently sent a letter to the collection agencys XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

I recently sent a letter to the collection agencys XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 - 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 XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation