vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
To whom it may concern, I am submitting this formal complaint to the Consumer Protection Agency regarding a serious and unauthorized invasion of my personal information held by the U.S. Department of Education ( DOE ). 

On or around XX/XX/year>, and again on XX/XX/year>, an entity identified as DOGEincluding a group of teenagers and an unelected bureaucratillegally accessed my federally protected educational records without my consent or proper national security clearance. 

This breach constitutes a direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) as well as my signed student loan contracts. The accessed information included my Social Security number, home address, phone number, date of birth, and detailed student loan information. I respectfully request an immediate investigation and appropriate enforcement action to address this unlawful breach of privacy. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ID

Complaint narrative:
Mohela is reporting my loans wrong. Loan # XXXX is being reported as not a consolidated loan. My loans have been put on hold until they fix this on the XXXX report. The dept of education has deemed me ineligible for title XXXX loans because of the error. The error shows that my loan # XXXX is over the aggregate limit but I consolidated it back in 2017. It is supposed to be be with those loans on the report. My school said they need to fix this reporting error because they can not see that the loans was consolidated. Because they can not see that the loan was consolidated means that Mohela is reporting his loan wrong. I contacted XXXX and they found the issue. I have been trying to contact Mohela about this and they opened a case to get it fixed. I had to wait days to talk to them. Their customer service phone lines take 7 hours of waiting time without offering a call back which means I have have to spend the whole day waiting on the line to talk to someone. Sometimes the call fails and I have to start all over again. I am trying to get them to fix the error on my report so I can go back to school. Is there anything you can do to help me? They are very hard to get ahold of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/year> - I have tried to activate my XXXX XXXX XXXX XXXX XXXX for the first time. I was unable to. I contacted customer service and verified my identity. I was told the debit card was flagged as suspicious We discovered someone else had already activated the card before me and made unauthorized transactions for the entire {$1300.00} balance in the debit card. I was never notified about the card being activated nor received any notifications about the unauthorized transactions. They opened a customer dispute claim on the same day. 

XX/XX/year> - I received the customer dispute claim forms in the mail XX/XX/year> - I sent in the customer dispute claim forms to XXXX XXXX XXXXXXXX XXXX through email at XXXX XX/XX/year> - I call in the confirm with the XXXX XXXX  Customer Service for XXXX debit card to check if they have received my customer dispute claim. They said that the claim they opened for me was rejected XX/XX/year> and now I need to go through an appeal process that takes XXXX days. The reason why was because of " due to failure to report the transaction errors timely ''. They rejected my claim before I had a chance to submit my customer dispute claim with the evidence and they never notified me about the unauthorized activation and transaction of my XXXX debit card. 

XX/XX/year> - Filled out an appeal claim for the initial denial.

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 2025-03-14 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:
I have not supplied proof under the XXXX  XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-14 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: TX

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I submitted a written request to Synchrony Bank on XX/XX/year>, requesting copies of my signed contract and applicable disclosures related to my account. To date, Synchrony Bank has not provided the requested documents. The corresponding USPS certified mail tracking numbers are on the attached documents as proof of delivery.

Additionally, Synchrony Bank unlawfully shared my nonpublic personal information with credit reporting agencies and nonaffiliated third parties without my consent, in violation of the Fair Credit Reporting Act ( 15 USC 1681b ). This practice appears deceptive and coercive, potentially aimed at forcing payments on a debt that may not be valid. 

The failure to provide the requested documents and unauthorized data sharing violate multiple federal consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) Failure to provide requested consumer credit information ( 15 USC 1681g ) and unauthorized sharing of nonpublic personal information ( 15 USC 1681b ).

- Fair Debt Collection Practices Act ( FDCPA ) Failure to validate the alleged debt upon request ( 15 USC 1692g ).

- Truth in Lending Act ( TILA ) Failure to disclose account terms and finance charges ( 15 USC 1631 ).

- Gramm-Leach-Bliley Act ( GLBA ) Failure to provide required privacy disclosures and opt-out options ( 15 USC 6802 ).

These unlawful acts have damaged my creditworthiness, financial stability, mental health and has resulted in a loss of wages and opportunity. I also request enforcement action to ensure Synchrony Bank complies with consumer protection laws.

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 2025-03-14 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:
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
Consumer complaint received 2025-03-14 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: Central Research Inc
State: TX

Complaint narrative:
I am writing to formally express my concern regarding the unexpected transfer of my student loans and the subsequent increase in my payment amount. 

On XX/XX/year>, I received an email notifying me that my student loans had been transferred to CRI, the " Official Servicer of Student Aid, '' as of XX/XX/year>. Prior to this notification, I had not received any advance notice or warning regarding this transfer. Given the lack of prior communication, I initially suspected this email might be fraudulent. However, upon logging into my previous loan servicer, XXXX, I discovered that my loan balances had been reduced to {$0.00}, indicating that they had in fact been paid out on XX/XX/year> and transferred. 

In addition to this unsolicited transfer, I have also noticed that my monthly payment amount has increased unexpectedly under the new servicer, CRI, and without prior notification. As a responsible borrower, who has never missed a student loan payment, I find this situation extremely concerning and unacceptable. 

I request an immediate review of this matter and a clear explanation of why this transfer was conducted without prior notice, as well as the reason for the unexplained increase in my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RSH & Associates, LLC
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting and Breach of Agreement Violations of 15 U.S.C. 1692 and 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of an account associated with [ RSH ], account number [ XXXX ], on my credit report. This dispute is based on violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b. Additionally, I wish to highlight a breach of a pay-for-delete agreement that was fulfilled on XX/XX/year>. 

Dispute Details : 1. Breach of Pay-for-Delete Agreement : On [ XX/XX/year> ], I entered into a written agreement with [ RSH ] to settle the outstanding debt for [ XXXX ] in exchange for the deletion of the negative account information from my credit reports. 
I fulfilled my obligation by making the agreed-upon payment on XX/XX/year>. However, as of [ XX/XX/year> ], the negative information remains on my credit reports, indicating a breach of our agreement. 
2. Violation of 15 U.S.C. 1692 Unfair Debt Collection Practices : The continued reporting of this account, despite the settlement and agreement for deletion, constitutes an unfair practice under the FDCPA, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

3. Violation of 15 U.S.C. 1666b Timing of Payments : The creditors failure to update the account status in a timely manner after receiving payment may also violate the FCBA, which requires creditors to promptly credit payments and make necessary corrections to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently paid off my XXXX XXXXXXXX XXXX credit card ( Account # XXXX ), which was opened in XX/XX/XXXX and had a credit limit of {$11000.00}. The account was fully paid off in XX/XX/XXXX. However, Equifax has not reported this account as paid off on my credit report. Despite confirming with XXXX XXXXXXXX XXXX that they have sent the correct information, Equifax has failed to update my report to reflect the XXXX balance. This inaccuracy is negatively impacting my credit history. I have contacted both XXXX XXXX  XXXX and Equifax multiple times to correct this issue, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my XXXX credit report. I am a victim of identity theft, as evidenced by the attached Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). The following accounts are fraudulent and should be removed from my credit report : XXXX. XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that TransUnion block and remove all information related to these fraudulent accounts from my credit report. The FCRA requires credit reporting agencies ( CRAs ) to block and prevent the reporting of information that results from identity theft, provided that the consumer has submitted an identity theft report and supporting documentation. 
Additionally, 15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. If the information can not be verified, it must be deleted from the credit report. 
Supporting Documentation I have attached the following documents to support my dispute : 1. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Proof of Identity : Copy of my government-issued ID 3. Proof of Address : Copy of my recent utility bill Request for Action I request that XXXX : 1. Block and remove the fraudulent accounts listed above from my credit report, as required by the FCRA.


2. Conduct a reasonable reinvestigation of the disputed accounts and provide me with the results of the investigation in writing, as required by 15 U.S.C. 1681i ( a ). 3. Notify the furnishers of the disputed information ( Mission Lane, Credence Resource Management, and Portfolio Recovery Associates ) that the accounts are fraudulent and should not be reported on my credit file. Please confirm receipt of this dispute and provide me with a written response within 30 days, as required by the
FCRA. If you fail to comply with these requirements, I reserve the right to take further legal action.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my TransUnion credit report. I am a victim of identity theft, as evidenced by the attached Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). The following accounts are fraudulent and should be removed from my credit report : 1. XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
2. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
3. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that TransUnion block and remove all information related to these fraudulent accounts from my credit report. The FCRA requires credit reporting agencies ( CRAs ) to block and prevent the reporting of information that results from identity theft, provided that the consumer has submitted an identity theft report and supporting documentation. 
Additionally, 15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. If the information can not be verified, it must be deleted from the credit report. 
Supporting Documentation I have attached the following documents to support my dispute : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of Identity : Copy of my government-issued ID 3. Proof of Address : Copy of my recent utility bill Request for Action I request that TransUnion : 1. Block and remove the fraudulent accounts listed above from my credit report, as required by the FCRA. 
2. Conduct a reasonable reinvestigation of the disputed accounts and provide me with the results of the investigation in writing, as required by 15 U.S.C. 1681i ( a ). 
3. Notify the furnishers of the disputed information ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) that the accounts are fraudulent and should not be reported on my credit file. 
Please confirm receipt of this dispute and provide me with a written response within 30 days, as required by the FCRA. If you fail to comply with these requirements, I reserve the right to take further legal action. 
Thank you for your prompt attention to 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