vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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:
I am filing a complaint against XXXX  XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions XXXX also contravene the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I ordered a XXXXXXXX XXXX XXXX XXXX XXXX 

I received the merchandise on XXXX, which was clearly not XXXX branded, and was not even the same as the picture on the website. 

The seller would not acknowledge the problem, and I opened a dispute on XX/XX/XXXX. 

After providing images showing the original item which I already have in addition to the differences to the advertised images ( the provided items don't even say XXXX! ), AND including online verification from XXXX validating that the received battery was not XXXX brand, Wells Fargo rejected my dispute on 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 2025-02-13 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, as they are hurting my ability to obtain credit.

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns with Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: LA

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by MOHELA. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure. 

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law. 

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act. 

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by MOHELA from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect MOHELA to act in compliance with federal law and take immediate action to rectify this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had transferred about {$500.00} and something dollars and when I contacted the Cash app to inform them of the situation I was directed to transfer the money from my bank account to Cashapp bitcoin so I did multiple transferred and was told the money were return to my account if it doesnt I would I can call back, but I was scheduled to received a call back from an agent. I never got a call back and my money was taken. Im I want to file a claim with Cash app or even look for legal assistance, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and XXXX data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX account - Account Number XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.

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 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I work place sent me documents from XXXX XXXX saying they want to receive XXXX XXXX  out of my check I never heard of this company or did business with them contact person from them name XXXXXXXX XXXX XXXXXXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I tried to get my credit score online and with the company and they. Could not recognize or verify my SSN : keep giving me error message : Sorry, we can't show you today 's 3-bureau report.

This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

With live agent could not resolve the issue either my identity has been compromised.

15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
My information has been exposed during a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
My information has been exposed during a data breach

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 2025-02-13 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: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/year> I received a credit report that OneMain Financial had accessed my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XXXX XXXX, XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX, CA XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

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 2025-02-13 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: MI

Complaint narrative:
My personal and financial information was compromise without my authorization, the family education rights and privacy act FERP protects the confidentiality of student records, this Breach is clear violation of FERPE and your responsibility to safe guard my information, giving the severity of this Breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt within five business 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 explanation
Consumer complaint received 2025-02-13 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
My complaint is with Experian, Transunion, and Equifax. I disputed several closed and paid accounts on my credit report yet the reports are still showing as potentially negative after being paid and full. This is not fair to my credit rating or report after paying these account off. I also disputed addresses and my name correction and it is still showing wrong on my report as well the address there were supposed to be removed. Most of my closed accounts were due to National Disasters, and from the Pandemic. We have experienced hurricane every year. These disputes have been requested more than one time. This is not fair credit reporting, when a consumer has cleared the debt but it can still remain on the credit report as a negative impact.

On the Transunion report it is still showing a closed and paid and full account for from XXXX XXXX for a XXXX XXXX XXXX, and balance of {$740.00} that is incorrect that account is paid and full. I have uploaded the document showing where that account is paid and full.

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 2025-02-13 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: FL

Complaint narrative:
My complaint is with Experian, Transunion, and Equifax. I disputed several closed and paid accounts on my credit report yet the reports are still showing as potentially negative after being paid and full. This is not fair to my credit rating or report after paying these account off. I also disputed addresses and my name correction and it is still showing wrong on my report as well the address there were supposed to be removed. Most of my closed accounts were due to National Disasters, and from the Pandemic. We have experienced hurricane every year. These disputes have been requested more than one time. This is not fair credit reporting, when a consumer has cleared the debt but it can still remain on the credit report as a negative impact.

On the Transunion report it is still showing a closed and paid and full account for from XXXX XXXX for a XXXX XXXX XXXX, and balance of {$740.00} that is incorrect that account is paid and full. I have uploaded the document showing where that account is paid and full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  XXXX consistently 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, Credit acceptance 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 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, XXXX XXXX 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 I request that the CFPB take action to ensure credit acceptance complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am filing a complaint against XXXX XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX  XXXX consistently 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, Credit acceptance 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 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, XXXX XXXX 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 I request that the CFPB take action to ensure credit acceptance complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-13 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: AR

Complaint narrative:
On XX/XX/XXXX, I received an email from Mohela stating that I owed the standard payment amount ( {$2000.00} ) due on XX/XX/XXXX. An application was submitted for enrollment in the income-based repayment ( IBR ) plan on XX/XX/XXXX. The status of this application as of today is still " under review ''. I was placed under an administrative forbearance on XX/XX/XXXX for the processing of my application. This forbearance ended on XX/XX/XXXX. However, my application is still not processed, and I have not received a status update on this application. Since I received this standard payment bill I have attempted to contact Mohela to either be placed on a processing forbearance for their prolonged processing or have my IBR application approved to make income-based payments. I have attempted to call Mohela 3 times ; being placed on hold for a total of 3h 57 minutes, 3 hours 52 minutes, and 1 hour 35 minutes. Mohela disconnected each of these calls. To summarize, Mohela has been unable to process my IBR application in the time they allotted for administrative forbearance, and they are now requesting full standard payment after the forbearance has ended without processing my IBR application or putting me on additional forbearance. I have been put on hold with Mohela for over 10 hours without receiving service trying to fix this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation