vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/year>, I sent the following message to MOHELA both via email and via their official messaging system in their website : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Subject : Credit Reporting Received Date : XX/XX/year> Original message : Hello, This is regarding my account # XXXX. 

On XX/XX/year> I was notified by MOHELA that my " ... student loans have been forgiven under Public Service Loan Forgiveness. '' Could you please help me with the following questions : 1 ) When will MOHELA inform the three credit bureaus that my account balance has been XXXX  out? 

Also, My account balance is currently XXXX XXXX. 

XXXX ) Does this negative balance indicate MOHELA will be sending me a check? If so, when? 

Thank you sincerely for your assistance with these questions. 

Respectfully, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - It has been XXXX weeks since I sent that message to MOHELA. I have not received a reply or answer to my message with my XXXX questions. I would like MOHELA to help me get these XXXX questions / issues answered and resolved, please. 

Please see my attached screenshot of my original message to MOHELA and the original date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), 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, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$14000.00}, XXXX XXXX XXXX XXXX Account # XXXX * date opened XX/XX/XXXX bal. {$3200.00}, XXXX XXXX XXXX  Account # XXXX * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX, XXXX Account # XXXX * * * * date opened XX/XX/XXXX bal. {$1100.00}, rmp, llc Account XXXX XXXX * * * * date opened XX/XX/XXXX bal. {$890.00}, XXXX XXXX  Account # XXXX XXXX * * * date opened XX/XX/XXXX bal. {$870.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing 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 ) 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I was a co-borrower, not the primary borrower, on this vehicle loan. I was in active communication with the lender to resolve the balance, a conversation was had via phone call a week before repossession as well as a day or 2 before repossession about the amount that would need to be paid to bring the account current, yet I was never informed that the vehicle would be repossessed or given a chance to cure the default. Now, this repossession is negatively impacting my credit. This may violate FCRA protections and I am requesting this entry be properly investigated, verified, or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 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 Regulations 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 2025-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am writing to officially dispute the entry on my credit report concerning a medical bill associated with XXXX  XXXX XXXX that was inaccurately reported due to incorrect address and insurance information. The reported balance was originally {$980.00}, which I only became aware of XXXX years later. I have since confirmed that the hospital has reduced the bill to {$500.00}. 

In XX/XX/XXXX and XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) enacted a law stipulating that medical bills under {$500.00} can not appear on credit reports and should be removed within XXXX days. Additionally, I need to address that XXXX  XXXX provided false information regarding my insurance billing, incorrectly stating that my claim had been denied. 

Given these discrepancies, I am formally requesting the immediate removal of this inaccurate medical bill from my credit report. I have enclosed supporting documentation, including the corrected bill and correspondence regarding my insurance coverage, that substantiate my claims. 

Please note that if this issue is not resolved promptly, I will have no choice but to have my legal counsel contact you regarding this matter.

Thank you for your immediate attention to this urgent situation. I look forward to your quick response confirming the removal of this inaccurate entry from my credit report. You may reach me at the contact information listed above if you require any further information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 Experian

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 2025-04-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX XXXX XXXX * * * * * * XXXX XXXX * * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX * * * * Fraudulent Inquiries to Be Removed : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX XXXX acct # XXXX, XXXX XXXX  acct # 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 2025-04-30 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries Dear Experian Dispute Department, I am writing to dispute the following hard inquiries listed on my Experian credit report that I do not recognize or recall authorizing. I did not apply for credit or give permission for these companies to access my credit file on the dates listed : XXXX XXXX  XXXX Inquiry Date : XX/XX/year> EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or unauthorized. These inquiries were not initiated by me, and I respectfully request that Experian investigate and remove them from my credit file. 

Fair Resolution Request : I am requesting the immediate removal of these inquiries and written confirmation of the results of your investigation. I have enclosed a copy of my government-issued ID and proof of address to assist in verifying my identity. 

Thank you for your time and assistance. I look forward to a prompt resolution. 

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 2025-04-30 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( XXXX ) calendar days.

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 2025-04-30 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-04-30 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint against Capital One Bank USA regarding willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 3 ), and 1681i ( a ) ( 5 ) ( A ), in connection with the mishandling and misreporting of a XXXX delinquency on my credit report. 

The account in question ends in XXXX and has been open since XX/XX/XXXX. In early XXXX, Capital One reported a XXXX late payment for XX/XX/XXXX. I immediately disputed the accuracy of this report, citing service disruptions acknowledged by Capital One itself during that period. I submitted documentation, including a statement from Capital One confirming that XX/XX/XXXX payments were affected by delays involving their third-party payment processors, resulting in an electronic processing backlog. A payment was received on XX/XX/XXXX, which partially satisfied the balance but was not sufficient to meet the full minimum due. 

Instead of addressing the dispute properly, Capital One subsequently shifted the late payment to XX/XX/XXXX, despite no valid basis for doing so. My XXXX billing statement showed the account as current, and payment was made within the normal timeframe. I again submitted a dispute, along with evidence showing that the account was reported as paid/current for XXXX. 

Rather than delete the unverifiable late payment, Capital One once again modified the report and moved the late payment back to XX/XX/XXXX. This back-and-forth adjustment of delinquency monthswithout resolution or validationdemonstrates that Capital One could not verify the original reporting within 30 days, and under FCRA XXXX ( a XXXX ( XXXX ) ( A ), the information should have been deleted, not updated. 

In addition, Capital One failed to mark the account as disputed in a timely and consistent manner as required by FCRA 1681s-2 ( a ) ( 3 ). Their letter dated XX/XX/XXXX, even admits that no payment was made to satisfy the XX/XX/XXXX minimum, confirming that any past due status would have been triggered in XXXX, not XXXX. 

This mishandling constitutes a material misrepresentation of my payment history and a clear violation of my rights under the FCRA. Capital One has now had well over XXXX  days to verify or correct the disputed information but instead chose to manipulate the data to protect itself from liability for its payment system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized charge of {$130.00} that was posted to my XXXX XXXXXXXX XXXX American Express XXXX ( ending in XXXX ). This charge originated from a car rental reservation made through a company called XXXX, and despite my repeated attempts to resolve the matter with both the merchant and my card issuer, the issue remains unresolved. 

To clarify the situation : I did not authorize this transaction. The reservation was mistakenly made by my XXXX niece, who was attempting to get an online quote and inadvertently completed a booking using my card information. As soon as I received the confirmation email, I contacted XXXX  to inform them that this charge was unauthorized and that I had no intention of using their service. 

Initially, XXXX advised me to submit an email explaining the situation and assured me that a refund would be issued. I complied with this request and followed up multiple times, but no refund was ever processed. Eventually, they offered a partial refund in the form of a wallet creditminus an administrative feewhich I declined, as I had never authorized the transaction in the first place. Following this, XXXX blocked my email address, cutting off any further communication. 

I then filed a dispute with American Express, clearly stating that : I did not authorize the charge. 
I did not use or benefit from the services. 
I notified both the merchant and American Express immediately upon discovering the charge. 
Despite this, American Express has repeatedly denied my dispute and reinstated the charge. I have met all procedural obligations for reporting fraud and have provided documentation each time. Nonetheless, the response from American Express has been inadequate and, at times, dismissive. I have encountered unprofessional conduct from multiple customer service and fraud department representatives, including being interrupted, spoken over, and not taken seriously. 

To be clear, I did rent a vehicle through XXXX XXXX XXXX XXXX this period, and that charge was processed through a separate American Express card that I own. The XXXX transaction is unrelated and unauthorized. 

I am requesting the following from your office : Support in obtaining a full and final reversal of the {$130.00} charge. 
Consideration of the handling of my case by American Express, particularly the conduct of their fraud and customer service departments. 
All relevant documentation, including communications with XXXX, dispute submissions to American Express, and transaction details, can be provided upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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