vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TransUnion 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-01 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account. I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using XXXX XXXX XXXX XXXX and XXXX, and I request your assistance in ensuring this error is corrected. Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

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 2025-02-01 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
My student loans are handled by MOHELA. 

On XX/XX/XXXX, I applied to be a part of the XXXX plan. MOHELA informed me that they had paused processing applications. 

On XX/XX/XXXX I was placed on processing forbearance by MOHELA, with interests in all loans continuing to accrue. 

Throughout this time, I had called MOHELA approximately XXXX times, often waiting on hold for over XXXX hours to address various issues. 

On XX/XX/XXXX I called MOHELA to inquire about the Department of Educations XX/XX/XXXX instructions regarding treatment of such loans. Under these guidelines, " Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. '' https : //www.ed.gov/higher-education/manage-your-loans/save-plan. " If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. " After speaking with a representative about this issue, she agreed that I was in processing forbearance, but refused to comply with the Department of Education guidelines instructions to move me into " general forbearance. '' I requested to speak with a supervisor. The supervisor also agreed that I was in processing forbearance, and refused to provide an explanation about why I was not moved into general forbearance. Again, I pointed the supervisor to the clear mandate from the Department of Education. The supervisor informed me that they were not currently following those guidelines. 

To be clear, MOHELA has refused to comply with the guidelines of the Department of Education, instead choosing to continue to charge severe interest rates to a recent graduate. After speaking with the supervisor, it is clear MOHELA believes they are " above the law '' and are immune from any action regarding the movement of accounts into general forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
There are couple of fraudulent accounts in my report. Please remove this as soon as possible. This is not fair having these affecting my credit standing. 

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

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 2025-02-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account and collections on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
The alleged debt in question appeared on my credit report. On XX/XX/XXXX, I sent an initial letter requesting validation of the debt within 30 days as required by law. The letter explained that I was disputing the debt and requested proof it was valid. To ensure proper delivery and documentation, I sent the letter via certified mail, and the USPS tracking code XXXX XXXX XXXX XXXX XXXX XXXX confirms that it was received. 

In XXXX, I reviewed my credit report again and noticed that I had not received any response or validation of the debt from the creditor, yet the alleged debt remained on my credit report. Subsequently, I sent another letter reiterating my request. This letter explained that I had seen no proof of the debt from their side and highlighted their obligation to comply with the law. Although I referred to this letter as the third one in my communication, I acknowledge that it might have been my second formal request. This letter was also sent via certified mail, and USPS tracking code XXXX XXXX XXXX XXXX XXXX XXXX confirms its receipt. 

On XX/XX/XXXX, I received a response from the creditor. However, this response was not a proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, it was a letter stating that the creditor had already conducted an investigation and would not reopen the matter. Notably, this claimed investigation failed to fulfill the legal obligation to validate the alleged debt as required by law.

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 2025-02-01 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigating my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX two checks were deposited into my account. One for {$32000.00} and the other for {$22000.00}. Chase Bank placed a 7-day security hold on them to clear. The day before the checks cleared, Chase restricted my account. They demanded I call to verify. After trying to resolve the restriction multiple times, I was informed that my account would be closed and that I would not be able to receive my funds, even after the checks were verified and cleared. The only reason that they gave me was because they couldnt contact the buyer or verify his contact information over the phone. The supervisor I spoke to, XXXX, refused to mail me a written statement, and briefly went over some information that he refused to repeat after he stated that hed only give me this information verbally, I was verbally insulted and rudely dismissed. After which he hung up in my face. XXXX Was not professional at all and never had a clear reason on why my account was restricted in the first place. Would not recommend or want to bank with them again even after this problem is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Warning or confirmation notifications missing when sending money. Money lost due to missing notification. Could not retrieve money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX TransUnion 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: MA

Complaint narrative:
Further to XXXX US Bank called to offer a flex loan that they had previously offered in XXXX. When I was about to take it she said, I do need to tell you that you might not be eligible for state assistance. What she meant was I would have to give back the assistance I had received from the federal government program from Covid relief and add XXXXXXXX XXXX XXXX back on to my account. 

The attempt to slight of hand by saying it was state when it was federal money managed by the state. And also to say might not be eligible which sounds like it is in the future when really what they meant was that they would go back two years and take away the money that was already applied. 

Which would really work out for them because it would reapply all that debt and the 2 years of interest on it. 

Im sure there is another advantage I havent thought of oe dont realize. 

I feel really badly for all the people who wouldnt have realized what was being done to them. 

I am also certain that this was offered in response to my previous complaint ; given that I have been trying to resolve this tor years and they have not offered to resolve it at all or done much of anything but obfuscate. 

Now if they can approve a flex loan if they add money back onto my loan why cant they approve it without doing that? Especially when said money has already been applied to my account - 2 years ago. 

This is simply a way for them to put me further in debt and make more off of me. 

At this point I believe all the obstruction has been to that end. 

I also found it interesting that, as I previously mentioned for the last year if they call and I answer the phone they hang up. I have records of the phone call lasting 10-20 seconds so it is not simply that I dont pick up in time. I have picked up on the first ring and still had this happen. This was the first time that I have had anyone respond.

Finally, they made it pretty clear that yes I could still apply for a flex loan or a deferment but if I wasnt going to return the federal funds I wasnt going to get approved. They obviously did not go so far as to say that outright but made it pretty clear.

I think it is worth noting that before Covid I had never missed a payment. In fact I often paid extra against the principal. As I previously mentioned I tried to restart the loan at the end of XXXX but their tactic seems to have been to delay and confuse in order to increase my risk and destroy my credit. 

I think they made this offer because they thought I would be stupid or desperate enough to go through with it I am looking into taking legal action.

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 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am disputing a debt that Contract Callers Inc. ( CCI ) is attempting to collect, as I do not owe this debt. CCI claims that public records link me to the service address associated with this debt. However, after conducting my own public records search, I found no records connecting me to that address.

I requested full debt validation under FDCPA ( 15 U.S.C. 1692g ), including : 1. A signed contract or original agreement proving I owe this debt.

2. A detailed breakdown of the charges ( dates, amounts, and payments ).

3. Proof that CCI has the legal right to collect this debt.

4. Copies of any public records linking me to the service address.

Instead of providing the legally required validation, CCI stated that they are not legally bound to provide documentation. Simply providing the original creditors contact information is not proper validation under federal law.

Furthermore, CCI has reported this debt to credit bureaus, damaging my credit, despite failing to validate its accuracy. This is a violation of FCRA ( 15 U.S.C. 1681s-2 ), which requires accurate and verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

Company response to consumer: Closed with explanation