vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

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 2025-02-07 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I never went to this school and this is fraud and I have a police report on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I am writing to formally object to the inappropriate charges posted to my account on XX/XX/XXXX. These charges, appearing more than XXXX years after the account charge-off, represent an unacceptable business practice that warrants immediate review and removal. 

The timeline of events clearly demonstrates the impropriety of these recent charges : The vehicle was repossessed in XX/XX/XXXX, sold at auction in XX/XX/XXXX, and the account was charged off on XX/XX/XXXX, with a deficiency balance of {$10000.00}. The matter was considered settled at that time, as evidenced by your own documentation. The sudden appearance of new charges in XXXX - including disposal expenses of {$630.00}, miscellaneous taxable charges of {$340.00}, a closeout balance of {$2600.00}, and late charges of {$130.00} - is both puzzling and concerning. 

Under established banking practices and consumer protection regulations, it is highly irregular to assess new charges on an account that was charged off XXXX years ago. This action appears to violate standard industry practices regarding charged-off accounts and potentially runs afoul of consumer protection laws. 

I demand the immediate removal of all charges posted on XX/XX/XXXX, and written confirmation of this removal. Furthermore, I request assurance that these improper charges will not be reported to any credit bureaus, as they appear to lack any legitimate basis. 

If these charges are not removed within 30 days of receipt of this letter, I will be forced to : 1. File a new complaint with the Consumer Financial Protection Bureau 2. Submit formal complaints to state banking regulators 3. Pursue all available legal remedies under consumer protection laws Please provide written confirmation of the removal of these charges to my address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX XXXX personal information and credit reporting is in my report

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
Company indicated in their response this account was charged off. According to the IRS website, a charged off account is considered income to the company. I have never received a XXXX for tax purposes regarding this charged off account. Someone somewhere is eluding taxes and committing tax fraud.

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: IL

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 2025-02-07 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: PA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MI

Complaint narrative:
They reporting the wrong information and I sent out multiple letters to get it fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.

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 2025-02-07 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have not supplied the original contracts nor do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  have my wet signature on any documents. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX sold my personal identifiable information ( name, SSN, addresses, etc. ) to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord are now reporting accounts in collections on my credit reports with Equifax, Experian, and TransUnion.

This is a direct violation of 15 USC 1681b as XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord do not have my permission to furnish info to credit reporting agencies on my behalf. 

This is also a direct violation of 15 USC 1681c-2 as these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and True Accord were opened due to identity theft as my personal information was shared without my knowledge and permission.

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 2025-02-07 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have not supplied the original contracts nor do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  have my wet signature on any documents. 

XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX sold my personal identifiable information ( name, SSN, addresses, etc. ) to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord are now reporting accounts in collections on my credit reports with Equifax, Experian, and TransUnion.

This is a direct violation of 15 USC 1681b as XXXX XXXX XXXX, XXXX XXXX XXXX, and True Accord do not have my permission to furnish info to credit reporting agencies on my behalf. 

This is also a direct violation of 15 USC 1681c-2 as these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and True Accord were opened due to identity theft as my personal information was shared without my knowledge and permission.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-07 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:
XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} - No knowledge of this 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 explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/2025 : While online at Marcus ( Goldman Sachs ) I noticed one of my three accounts lacked all monthly bank statements. I made a service call and confirmed with the rep that all bank statements were missing from that account, but I was not given a reason for this strange issue. The rep said they would print and send paper copies to me ( I didn't want paper copies ; I prefer electronic PDFs ). They printed approximately 18 months of missing bank statements on paper and sent them via USPS. 

XX/XX/2025 : I received printed copies of the missing bank statements via XXXX. On the same day, I also received an email stating that my statement delivery preferences had been changed and that if I didn't request this change, or if I had difficulty accessing my account to give them a call. 

XX/XX/2025 : I went online to Marcus to transfer funds to pay a bill, but my accounts were frozen. I could not access any of my money. I called and spoke with a rep who could not help and escalated the call to another rep. The second rep couldn't figure out why my funds were frozen, and they escalated the call to the " back office. '' I was told they would call me back. 

XX/XX/2025 : I have not heard back from Marcus. I call Marcus again, and go through the entire scenario again, explaining my funds are frozen and I can not pay my bills. The call is escalated again. The second rep tells me that they will send the call to the " back office. '' I told them to have someone call me and let me know what was going on with my account. 

XX/XX/2025 : I have not heard a peep from Marcus, I have bills to pay, my money is being held hostage, and I have no reason why there is a problem. I have not been contacted via phone or email by Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX, my LTV reached 78 %, which requires my servicer to automatically cancel the PMI, as I always paid on time and my LTV reached 78 %. While the Homeowners Protection Act of 1998 ( mentioned on their website when I log in + XXXX XXXX  website ), they keep telling me it needs to be 75 %.

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 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mendelson Law Firm
State: MS

Complaint narrative:
Debt collector refused to provide me with a copy of the summons for the court date that was associated with the alleged debt. When I requested an itemized bill showing the original total as well as any payments, adjustments, and fees. The debt collector provided partial data and when I contacted the hospital they said that they can't see any outstanding debts on my account. I am unable to verify the debt and I was never, to my knowledge, served about the court date and they wouldn't provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
XX/XX/year> i contacted chrysler capital to let them know that i can not pay {$1200.00} a month any further. I recently had a major XXXX and was out of work. Even if they were to lower the payments to $ XXXX {$800.00} i could afford it. But they refused. I feel its unfair and not business like to at least work with me

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: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi Navy Federal Credit Union Support Team- I noticed several fees on my Navy Federal Credit Union account that I would like to ask for a refund on. I have been a loyal customer of Navy Federal Credit Union and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$240.00} from my transactions below? 


Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} Overdraft Protection Fee ( XXXX ) OVERDRFT FEE - XX/XX/XXXX - {$20.00} ATM Fee - Withdrawal XXXX XXXX XXXX ATM FEE - WITHDRAWAL - XX/XX/XXXX - {$1.00} Thanks a ton, XXXX

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