vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I report as inaccurate and Please remove the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want reported accounts removed. They were clearly not investigated properly. 

Here is the account. 

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 explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. The following late payments are reporting inaccurate and therefore need to be reinvestigated. Inaccurate late payments and incorrect and incomplete information. 



XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, XX/XX/year> not reported XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, but XX/XX/year> was reported Equifax : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as paid, but XX/XX/year> does not show any information Per 15 U.S. CODE 1692e - False or misleading representations. Account XXXX : XXXX Update to Open/Never late Attempts to fix the inconsistencies with the company and credit reporting agencies is attached. No resolution has been made and inaccuracies continue to exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. The following late payments are reporting inaccurate and therefore need to be reinvestigated. Inaccurate late payments and incorrect and incomplete information. 



XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, XX/XX/year> not reported Experian : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as N/A, but XX/XX/year> was reported XXXX : Late Payment Dates Reported : XX/XX/year>, XX/XX/year>, XX/XX/year> Inaccurate/missing information : XXXX XXXX reported as paid, but XX/XX/year> does not show any information Per 15 U.S. CODE 1692e - False or misleading representations. Account Number : XXXX Update to Open/Never late Attempts to fix the inconsistencies with the company and credit reporting agencies is attached. No resolution has been made and inaccuracies continue to 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 2025-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Reference Complaint : XXXX Status : Closed No communication after the above complaint was closed from Mohela. Everytime I call * I am on hold for a minimum of XXXX hours no matter what time of the day. Once I get through the rep then says I will be transferred to the Advocay team and placed on hold again. Out of the last XXXX times I have tried I was hung up on XXXX times and on hold until the end of day and hung up on XXXX times. I spent over XXXX hours on hold the last few days and I called early morning. 
* When I try to call the advocay number I get XXXX options : - the XXXX option just goes dead but stays on the line, - the second option is not a valid option recording, - the XXXX option I have no listing to get through to a person ( it wants an extension but non was given and you can not get a directory from option XXXX ), - the last option for a company operator goes dead but the line is still connected. 

Company 's Response Dear XXXX XXXX : MOHELA has reviewed your complaint madewith the Consumer Financial Protection Bureau ( CFPB ) regardingthe amount refunded to you for overpayments through PublicService Loan Forgiveness and XXXX XXXX. Our recordsindicate that you spoke with a member of MOHELAs CustomerAdvocacy Team on XX/XX/year>, regarding yourconcerns. As of this writing, MOHELA is reviewing your accounthistory to ensure that all eligible funds have been refunded toyou. Please note that MOHELA is only able to process refunds ofpayments applied to loans serviced by MOHELA or based oninformation received from XXXX XXXX XXXX. Payments madeto loans not serviced by MOHELA are processed by the loansrespective servicer. If you have any other questions or concerns, please dont hesitate to contact a member of our CustomerAdvocacy Team at XXXX from XXXX to XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You can also XXXX Sincerely, MOHELA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
The name is XXXX XXXX XXXX is wrong and not on my ID. It is on my SSCard. But it is incorrect on my credit report. 
The correct name is 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 explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-01-24 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: NE

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 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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.

15 U.S.C. 1681B ( 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 2025-01-24 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: TX

Complaint narrative:
I have requested that false information be removed from my report back In XXXX and nothing has ever happened. 
I have submitted documents showing I never lived at address shown and then they have addresses shown from XXXX yrs ago when I was a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested that false information be removed from my report back In XXXX and nothing has ever happened. 
I have submitted documents showing I never lived at address shown and then they have addresses shown from XXXX yrs ago when I was a child.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On Monday morning my wife and I were chatting with a close well trusted friend on XXXX messenger about some items she had for sale. We wanted to see an item but she said she couldn't at the time but for a deposit she could hold it ( this is normal for selling things online but seemed odd for her ) with some suspicion we procced to send her the deposit from the account she said it would be coming from ( not hers personally ). Just moments after clicking send I got a bad feeling, so I text her XXXX XXXX and asked if her account was hacked. It was indeed. Someone was impersonating her, so we quickly called our bank to tell them about the scam and they put an XXXX stop payment on our account. It worked! But now the money transfer app is claiming we owe them money and is only available via email and will not process our claim for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
The Radius Global Solutions debt collecting company sent XXXX years later, all three Credit Bureaus a negative/derogatory comment stating I did not pay the rental company, XXXX XXXX XXXXXXXX. This is in error and fraud. When I rented from XXXX XXXX XXXX  while on Government business, I paid them on 18 Oct 22 for the rental. I and my bank have proof ( cleared bank transaction and statement ) that I paid for the expense. 

The XXXXXXXX XXXX XXXX company is a scam. The car rental company scammed me via calling me XXXX days after I turned in the car, stating I did not turn in the car according to my contract ( I did. I turned it in on time/earlier at XXXX that morning so I could take my XXXX XXXX flight home. The assistant took the car and key, scanned it and we walked away to go into the airport ). On the call I told them I turned in the car and what happened, but they went on and charged my credit card {$1200.00} dollars for not turning in the car, they also said the car was dirty and smelled of cigarette smoke, etc. I was highly upset..this was wrong. I had to work with my bank to freeze my account for other changes ; I called several XXXX XXXX XXXX offices to include the XXXX XXXX, the XXXX XXXX XXXX HQ overseas and US offices, etc. ; report the XXXX office to them and FINALLY someone at the XXXXXXXX XXXX XXXX office in XXXX, heard and believed me. She then looked at my account and took the charges off. My bank worked with me to clear things up and then froze me account. All of this was RESOLVED/CLOSED/closed in XX/XX/XXXX. I will not rent from XXXXXXXX XXXX XXXX ever again and I warn everyone not too. Just now, XXXX, XXXX years later, Radius Global Solutions hit my credit report with this derogatory comment stating I owe {$110.00} to XXXX XXXX XXXX ... I paid them back in XX/XX/XXXX. They are trying to get money I've already paid and hurting my credit if I don't pay it again. This is wrong. I believe this company, Radius Global Solutions is a scam too ( see their address is actually a " XXXX XXXX XXXX '' at XXXX XXXX XXXX, XXXX ). I need to report them and have them leave me alone. They are harming me and I'm sure others.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus were reporting inaccurate reports of my account causing me to be denied for credit with certain companies. After reporting this to the bureaus and showing proof they still decline to change my credit 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE BANK CORPORATION
State: TN

Complaint narrative:
So there is a XXXX  XXXX  transaction that I confused with a atm transaction and I was haveing these XXXX accounts coming in and out of my bank I didnt have access to my bank and my credit is come screwed up and found out all this cause I was about to file my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I sent a zelle for XXXX and the person did not provide the service i contacted my bank which is chase i provided them with all the information I had the name of the person the phone number and everything that i had whom told me its just my lost. On another occasion recently i sent XXXX dollars and the same thing happened

Company response to consumer: Closed with explanation