vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Square suspended my account with money in it for XXXX  days. I had someone pay me, but now they wont let me access the money due to We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your Square account is now deactivated. 

I called and they wont tell me anything further. When they escalated the matter ( when I asked for a manager, they said they wont take my call ), they emails more vague information. See below : After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details. 


So basically they stole my money, and wont tell me why or what.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: ND

Complaint narrative:
I am filing this complaint against U.S. Department of Education/Nelnet , Inc. , for engaging in unlawful debt collection practices that violate federal law, including the XXXX statute. U.S. Department of Education/Nelnet , Inc. , knowingly participated in a scheme involving fraudulent debt instruments, resulting in negatively impacting my credit score. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes. Specific Allegations are XXXXFraudulent Debt Instruments, XXXX Reporting of Delinquency to all Major National Credit Bureaus XXXX XXXX Knowledge of Fraudulent Activity and XXXXViolation of XXXX Statute. Why the Debt Collection is Unlawful : XXXX - Fabricated Credit Card Agreement and Lack of Lawful Consideration, XXXX Fraudulent and Predatory Practices, XXXX Disregard for Evidence and Federal Law and XXXXViolation of the XXXX Statute. 
See Attached Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: MT

Complaint narrative:
The personal information being reported on my credit report are incorrect, I have included my documents for you to be able to update it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: AR

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-19 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: AR

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, HSBC Bank USA, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, XXXX completely ignored HSBC and is incorrectly and maliciously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that XXXX cease from reporting my closed HSBC accounts to the credit reporting agencies. 

I have attached a court order from the judge issuing me a restitution of {$49000.00} as I was a victim of a burglary and subsequent credit card fraud and ID theft that resulted in the criminal XXXX XXXX illegally using my credit card. XXXX XXXX XXXX is currently serving time in prison for his crimes against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I discovered unauthorized bankruptcies on my consumer report that violate 15 U.S. Code 1681a ( 4 ), specifically regarding consumer privacy rights. As a victim of identity theft, these fraudulent entries represent a serious breach of my personal information, potentially rendering your organization criminally and civilly liable for improper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: PA

Complaint narrative:
XXXX XXXX, XXXX : Received email from MOHELA stating my student loan was forgiven. I called them to confirm, and they confirmed. 

XXXX XXXX, XXXX : Received email from Biden /Harris administration that my student loan was forgiven. 

XX/XX/XXXX : Checked credit report and confirmed the loan was closed and paid in full. 

XXXX XXXX, XXXX : Received email stating loan was to be repaid. Called MOHELA and they said it was an error due to their system being updated. 

Continued receiving emails from MOHELA and continue to receive emails since. I have called and spoken ( about once every XXXX weeks ) with a customer representative and management and they continue to tell me they will fix the error, send me a letter stating this and I would not receive any further correspondence from them. All correspondence from MOHELA to me have been automated emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> I disputed a charge for an item that was purchased and received not as described ( damaged ). I provided SoFi with photos and a detailed explanation. 

On XX/XX/year> I received a response from SoFi indicating that they were denying my claim. I responded on XX/XX/year> indicating that the item was counterfeit and that my claim needed to be reopened. 

On XX/XX/year> I received a response from SoFi indicating that no error had occurred. The item arrived not as described ( damaged ) and was not authentic. Therefore SoFi has willfully ignored my concerns and has not followed through correctly with the dispute process.

Therefore I have filed this complaint because SoFi refuses to properly classify this issue and provide a refund. If SoFi does not provide a refund within XXXX  days I will initiate arbitration and SoFi will be responsible for any fees associated with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The inaccuracies on my credit report from the XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are completely unacceptable and need to be addressed immediately. These accounts are falsely reported with late payments, even though I have always paid on time. Under 15 U.S.C. 1666b ( a ), creditors can not legally report on-time payments as late, and this false reporting violates the law. Furthermore, their failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) under the FCRA is unacceptable. Failure to address this issue violates FCRA 611 ( a ), which requires a proper investigation of disputes, considered violating the law of willful non-compliance under FCRA 616 and 617, making them liable for damages of up to {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: 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 non-monetary relief
Consumer complaint received 2024-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2024-12-19 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: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TransUnion, XXXX XXXX : Consumer Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiries in Accordance with Federal Trade Commission ( FTC ) Regulations Dear TransUnion Dispute Department, I am writing to formally dispute the presence of multiple unauthorized inquiries on my credit report, which have been added without my consent and in violation of federal law. Attached is a Federal Trade Commission ( FTC ) identity theft report as evidence supporting my claim. 
The following inquiries are unauthorized and should be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me, nor did I provide consent for them. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized inquiries removed from my credit report. 
Please investigate this matter promptly and remove the above-listed inquiries. As per the FCRA, you are required to provide me with the results of your investigation within 30 days. Failure to act on this dispute may result in further legal action.

Attached to this letter, you will find : 1. A copy of my FTC identity theft report 2. A copy of my drivers license for identification purposes 3. Supporting documents verifying my claim Please confirm receipt of this dispute in writing and inform me of any updates via mail at the address listed above. 
Thank you for your immediate 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
Consumer complaint received 2024-12-19 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-19 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: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-19 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: GA

Complaint narrative:
My credit profile has been in a mass data breach XXXX times with XXXX XXXX and XXXX including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane Milton, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX auto inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2024-12-19 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: GA

Complaint narrative:
My credit profile has been in a mass data breach XXXX times with XXXX XXXX and Experian including the dark web. It is impossible for me to obtain the things that I need to manuver in life because this keeps happening. I've tried serveral times to get these inquiries removed. I an a vitcim of Hurricane Milton, the hurricane flooded my car and I can't get another one because I have XXXX inquires and there in cities I've never lived. I have never lived in XXXX but I have over XXXX XXXX inquiries. I can't buy my family a hot dog because of this. Please help me this time. It's not fair at all to have to continiously go through this type of situation. Scammers are too smart so locking my credit hasn't worked in the pass. Please give me some direction other than having to spend money. We are homeless and without a car. Please help. My address has not change I still at the same address. Where do you all get these addresses from? My mailing address is still XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA 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 2024-12-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.

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 2024-12-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax data settlement card with your XXXX XXXX. Called XXXX times XXXX way no call back from prepaid center. Downloaded all of the apps. Authorized the card. Tried XXXX, XXXX and card consistently rejected Was told they could not explain why it wasn't being accepted and to be more intentional while entering the card number. 
I answered the card number and proof that no less than XXXX times in their app. 

The amount of time and apps that needed to be downloaded and verified and re-verified clearly shows that this settlement with Equifax and cfbp was done in bad faith.

Company response to consumer: Closed with explanation