vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the reporting of late payments on my Capital One account. I have been a loyal and responsible account holder for over XXXX years, maintaining a positive payment history. However, due to XXXXrelated financial hardship and a divorce, I encountered temporary financial difficulties and worked with Capital One to make proper arrangements during that time. Despite my compliance with the agreed-upon terms, these late payments continue to be reported inaccurately, in violation of federal and state credit reporting laws. 

CARES Act Protections ( XXXX XXXX XXXX. XXXX ) Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, financial institutions that provided assistance to consumers during XXXX were required to report those accounts as " current '' if the customer complied with the agreed-upon modified terms ( CARES Act, XXXX ). Since I followed all arrangements, the reporting of late payments is a direct violation of federal law. 

Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) FCRA XXXX ( a ) ( 1 ) ( A ) Creditors are required to ensure the accuracy of information reported to credit bureaus. Reporting my account as delinquent despite my participation in an agreed-upon hardship plan is misleading and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
I recently received a communication indicating that the IDR application to SAVE I submitted in XXXX was denied because MOHELA determined that I improperly self-certified my income. That determination was made in error. I included in my initial IDR application a copy of a letter from my employer indicating my income, which is listed on MOHELA 's website as an acceptable form of income verification. 

Nevertheless, I submitted another IDR application to the SAVE program this morning in which I included both my employer letter and my W2. 

I then called MOHELA 's representatives to ask that I be placed back into the special administrative processing forbearance for SAVE. I was on hold for 2.5 hours before I was able to get a live representative. Once I described my problem, the representative transferred me, at which point MOHELA 's automated system told me that the wait time would be nearly four hours. 

I then used the callback option. No one called me back. 

Now that I have been kicked out of the SAVE processing forbearance, loans worth over {$2000.00} are due in two days. I have no way to put myself back into the processing forbearance because MOHELA will not let me speak to a representative, instead leaving me on hold for hours on end or not returning my call after I use the callback option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Palm Beach Credit Adjustors, Inc
State: NC

Complaint narrative:
Focus Financial Services with address listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the most unprofessional company I have dealt with when attempting to resolve my credit. I spoke with three different agents who seem not to care about their company not following the law or having g any compassion that real life things happen. They would not take my insurance information that was provided to the hospital yet instead wanted to pretty much get a thrill out of belittling someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
According to XXXX XXXX Transunion XXXX XXXXXXXX is supposed to MAXIMUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 1681i, 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Please Delete Account

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 2025-02-06 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 am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$28000.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: OH

Complaint narrative:
To Whom it XXXX Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of XXXX for an old Spectrum account. 

I am disputing the validity of this collection and the reporting of it for the following reasons : While I did previously have a Spectrum account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX 's instructions I returned all the equipment. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MN

Complaint narrative:
Update to case XXXX : URGENT : Follow-Up on Fair Credit Reporting Act Violations Case Update To : Consumer Financial Protection Bureau ( CFPB ) [ Your State ] Attorney Generals Office Federal Trade Commission ( FTC ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/year> -- - RE : Ongoing Fair Credit Reporting Act ( FCRA ) Violations Silent Credit Changes & Re-Aging of Debt To Whom It May Concern, I am submitting this urgent update regarding my complaint against Experian, XXXX, XXXX, and multiple creditors for Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violations.

I originally filed complaints regarding illegal credit reporting actions, re-aging of debt, and silent credit modifications. However, despite the severity of these violations, the credit bureaus and creditors have failed to respond in a meaningful way. Instead, they have engaged in the following : Silent Credit Report Modifications Without Notifying Me Experian and XXXX  have made unreported deletions and updates to my credit report AFTER I filed my arbitration case.

These modifications suggest an attempt to cover up previous violations.

Re-Aging of Debt to Extend Negative Reporting Minnesota Child Support Enforcement and multiple creditors have updated old accounts to appear newer than they actually are, which is a direct violation of 15 U.S.C. 1681c ( a ).

Failure to Conduct a Proper Investigation Creditors and bureaus are modifying data instead of providing verified proof of debta violation of 15 U.S.C. 1681i.

Delay Tactics to Avoid Accountability The companies involved have yet to provide a direct response regarding these illegal modifications.

This inaction suggests bad-faith behavior and a failure to comply with federal consumer protection laws. 


I have already escalated this case to the XXXX XXXX XXXX ( XXXX ), where I am seeking XXXX XXXX XXXX XXXX XXXX in damages due to the financial harm caused by these violations. 

At this point, I am formally requesting immediate action from your agency to investigate and hold these companies accountable for their actions. 

Please confirm receipt of this update and provide guidance on any additional steps I should take. 

Best regards, XXXX XXXX Email : XXXX Phone : 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$1000.00} and closed as of XX/XX/scrub>XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.

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 2025-02-06 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations.

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that TransUnion perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate.

Please send me an updated copy of my credit report once the investigation is complete.

Thank you for your immediate attention to this matter. I look forward to your response and resolution.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CT

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXXLate/closed DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open

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