vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
This XXXX account has never belonged to me and is on my credit report due to fraud XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type UTILITY COMPANY Balance {$530.00}

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 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
PsIf/borrowers defense My student loans which were from XXXX XXXX XXXX XXXX XX/XX/XXXX were discharged under PSLF underneath the Biden administration however I was then informed via email that they were discharged would be discharged under borrowers defense the XXXX XXXX XXXXXXXX settlement so now they're not showing on Mohela, which is my servicer and they are saying they have no idea about my borrowers defense I should be getting a refund underneath borrowers 's defense because my loans from XXXX XXXX XXXX XXXX were garnished well offset back in XXXX for {$5700.00} and according to my borrowers defense approval I should be due that refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of an account with XXXX XXXX. Over 60 days ago, I submitted a dispute regarding this account, but XXXX has failed to respond to my dispute. As a result, it is now your responsibility to ensure the removal of inaccurate or unverified information from my credit report. 

As part of the XXXX XXXX XXXX XXXX Settlement ( XXXX ), XXXX XXXX and related entities agreed to forgive debts and remove negative trade lines from credit reports for affected consumers, including me. This account was included in the settlement terms, and your continued reporting of this account as " charged off '' with a balance of {$2000.00} is a violation of that agreement. Under the settlement, the debt was to be forgiven, and the account was to be fully removed from my credit report. 

XXXX and XXXX have already removed this account from my credit report due to XXXX ' failure to respond, and I urge TransUnion to take the same action. 

For your reference, I have attached the CFPB complaint where I outlined the lack of response from XXXX  to my dispute. Given their failure to validate this account, I request that you immediately remove this account and all associated negative information from my credit report. 

Furthermore, I would like to bring to your attention the case XXXX XXXX TransUnion XXXX., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which clarifies that credit reporting agencies ( CRAs ) like TransUnion are required under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into disputed information. CRAs can not rely solely on creditors ' claims without verifying the accuracy of the reported information. If a CRA fails to conduct a reasonable investigation, it may be held liable for damages under the FCRA. 

Please remove this inaccurate and unverified account from my report within 15 days and provide written confirmation of its removal. If this matter is not resolved promptly, I will escalate the issue to the XXXX XXXX XXXX XXXX XXXX XXXX, my State Attorney Generals Office, and the appropriate regulatory authorities. I will also consider pursuing legal action to enforce the settlement and protect my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 sign
ificant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
EXPERIAN SELFINC/LEAD ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT SELFINC/LEAD ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the XXXX XXXX guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this XXXX Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) XXXX TO XXXX : ( XXXX ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( XXXX ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
Experian : ( XXXX ) 60 DAY LATE WITHIN ( XXXX ) CONSECUTIVE MONTHS. HOW IS THIS POSSIBLE? 
XXXX : NO HISTORY REPORTING FOR XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
Experian : XXXX XXXX : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} Experian : {$0.00} XXXX : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
NO DATE REPORTED Experian : No Date Reported XXXX : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) NO DATE REPORTED FOR CLOSED DATE. HOW IS THERE NO CLOSED DATE ON A CLOSED ACCOUNT? 
Experian : No Date Reported XXXX : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} Experian : {$200.00} XXXX : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I used Lexington Law or CreditRepair.com for XXXX XXXX XXXX purchased between XX/XX/XXXX and XX/XX/XXXX after being subject to telemarketing regarding XXXX XXXX XXXX XXXX. After they took thousands of dollars from me my credit remained the same if not worse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Trafficking-Debt final Rule 1002.142 ( b ) ( 4 ) -51002,142 ( b ) 7, I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act I am a victim of human trafficking of Debt Bondage and would like for all listed Accounts to be blocked and deleted company information Equifax .Please delete the following Account XXXX fin Account Number XXXX XXXX XXXX i Account Number XXXX XXXXXXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital one didnt give myself my correct interest rate in my savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear REGIONSBANK I am writing to formally dispute an inaccurate entry on my credit report. The account with REGIONSBANK and account number XXXX. This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
A debt randomly showed up on my credit report several years. I think around XXXX, a year after I finalized a bankruptcy in XX/XX/XXXX. It was from a company I had never heard of and I tried several times to get it removed. It was on my transunion, but not on my experian. Can not remember if it was on my XXXX. It has I guess been sold to a collection agency, PYOD, XXXX who has sent me letters, called dozens of times and texted me many times as well. At one point I did speak with someone and let them know the debt was not mine and I did not recognize the original creditor, XXXX XXXX XXXX XXXX XXXX nor the amount, {$700.00}. At this point I need help in getting this removed from my XXXX credit report as it is not a debt of mine and I have not received any documentation proving it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear MACYS/CBNA ; I was really shocked when I reviewed my credit report today and found late payment on my credit report on XX/XX/year> ; XXXX and XX/XX/year>. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or it when i was going through some medical emergencies including 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 2025-01-25 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( CAPITAL XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple requests for a written explanation of the debt collection with no response via email or letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They locked my account for no reason whatsoever and then wont give me any information or give me my money that isnt theirs to withhold. I had all my information in place and theyre saying my number is wrong ( which is a lie ) theyre misgendering me and misleading me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Freedom Mortgage XXXX sold mortgage servicing rights to XXXX XXXX 

Freedom Mortgage accepted a mortgage payment on XX/XX/year>. 

XXXX Bank is not showing the payment for XX/XX/year>, and they are harassing me about late payment penalties despite there being a 60 day window of time for the mortgage servicing companies to transfer the loan and update their records. 

I proactively called each bank asking for them to trace this money that was paid on XX/XX/XXXX. Both banks have no idea where it is at. I have had multiple phone calls with each of these banks on a call at the same time, additionally with the bank I use for the account where the money was taken for paying XXXX mortgage payment. 

My bank stated on the phone that the money had not been returned to my account as Freedom Mortgage had claimed. Freedom Mortgage claims they are sending the money to XXXX bank, but they have changed their story multiple times and their back office has no records of my payment to them nor have the provided me a receipt or statement depicting that I have paid the mortgage on time. 

I have provided bank records to Freedom Mortgage. I have proactively engaged XXXX to get to the bottom of where these two mortgage servicing companies have misplaced the money I paid in service of this loan, and they have not followed up with me on a status. I call them multiple times, and its always a new representative on the phone and I have to rehash the same issue.

I am afraid to pay another payment for the next month because I dont know if they will also lose this money.

I have paid my mortgage without trouble for several years. I have a perfect credit score with no missed payments, and I have a job that requires good credit to maintain employment. 

If these companies mess up my credit due to a paperwork error that has not been corrected at the end of the 60 day grace period, then this will materially affect my employment and could put me at risk of foreclosure. This is a breach of both of these banks fiduciary responsibility to their shareholders and the banks are out of compliance with mortgage lending documentation requirements. I have not received a statement for the money that was removed from my bank account. 

I have consented to record these phone conversations with these banks, and I also notified the banks that the phone calls were being recorded on my end. I can furnish this documentation to whomever needs it to substantiate this claim. 

My next step if this can not be handled at the lowest level will be to retain an attorney and pursue this in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NE

Complaint narrative:
In XX/XX/year> someone in another state used my card account at the same time I was using it in my home state. I bought this to their attention! There was {$90.00} used. They said the payment someone else made was " pending '' and had to go through. I asked them WHY they would allow a fraudulent payment to go through when the owner of the card is telling you it is a fradulent charge? The charge was in XXXX XXXX and another charge from XXXX XXXX  was allowed to go through on the same day. They made me wait days to return my money even though I told them it was XXXX and I really needed it to purchase a gift. They told me I XXXX have to wait up to XXXX  days! I spoke to a XXXX and filled a complaint with customer service. The same answer -- I had to borrow the money from someone else to buy the gift. I continued to tell them that " I '' was their customer and should be their priority.and getting the same answer -- that they were investigating and I XXXX have to wait up to XXXX  days! I no longer have that card. I got a new one and put that card number where it was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Dear AFFIRM INC I am writing to formally dispute an inaccurate entry on my credit report. The account with AFFIRM INC and account number XXXX  This inaccurate reporting is negatively impacting my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. 

I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
I attempted to log into my account today, XX/XX/year>, only to discover that my personal Wise account had been closed without notification to me. Because this account is a personal one, I only use when traveling abroad, which has not happened in the last several months. I know of absolutely no reason that my account would be XXXX have reviewed both the Customer Agreement and Acceptable Use Policy, and I am confident that I have not violated either. I appealed the decision, and I received an email within XXXX minutes that the decision to summarily close my account was final and that " [ Wise ] cant tell you the specific reason why weve closed your account this is because of how were regulated as a financial institution. '' I tried calling customer service to ensure that there had not been some sort of clerical error, but I was told that the decision is final and permanent. The customer service agent, who said his name is XXXX, said explicitly that there is no further appeal possible and that I am banned from having a Wise account for life. He also repeatedly insisted that the Customer Agreement makes clear the potential reasons for closure, which include the violation of laws in my jurisdiction or the XXXX XXXX XXXX. The implication that I am either criminal or a rule breaker was offensive. The entire process was baffling and humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MI

Complaint narrative:
Accounts were opens and used in my name Tried disputing them with the company and they stated I did not have enough information to give them and are continuing to call me for payment

Company response to consumer: Closed with explanation