vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 filing this FTC Identity Theft Affidavit to report thirteen fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in question are as follows 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 These fraudulent accounts consist of credit card accounts opened at various creditors on different dates under specified account numbers and have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing tonfileba complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/scrub>XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally request the immediate deletion of inaccurate information from my credit file. Under Section 392.101 of the Texas Finance Code, third-party debt collectors or credit bureaus are prohibited from engaging in debt collection in Texas without an active surety bond filed with the Office of the Secretary of State. Santander Consumer USA does not have an active surety bond, which means they are not authorized to engage in debt collection in the state of Texas. This constitutes a false representation on my credit report. 

I kindly request that this entry be removed immediately to ensure my credit file accurately reflects my financial standing. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: WA

Complaint narrative:
My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 EXXXX 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 2025-01-22 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: FL

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
All 3 credit bureau are not helping me I want to dispute my credit XXXX. 
Im asking for the method of verification on my report but none of them help. I ask them to provide the purchase agreement and they dont do anything. The credit reports agency 's wont do anything even when the credit report says account OPEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am writing to file a formal complaint against American Express regarding two disputed charges with a merchant " XXXX XXXX '' that have not been adequately resolved. 

I recently disputed two charges made by a merchant due to the fact that I did not receive any goods/services for my money and have since got blocked and ignored by this merchant. The two charges were {$25000.00} ( charged on XXXX ) and {$9000.00} ( charged on XXXX ) and were for mentorship programs/courses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed these both XXXX and American Express later informed me that the merchant allegedly responded to their inquiry regarding these charges. However, the merchant has ceased communication with me entirely, and I have been unable to reach them myself. At first, when I chatted with an American Express representative on their app their reasoning was " merchant stated that they have delivered your item '' but, on the actual dispute letter they stated that they have taken the side of the merchant claiming that no goods/services were involved, despite again the merchant not responding to me and all the evidence I provided to prove it. Their reasoning for not giving me the refund was very inconsistent to me, but I provided evidence to prove any and all of their reasonings wrong. 

When I requested the details of the merchants response from American Express, I was told that they could not disclose this information to me. This lack of transparency is frustrating and prevents me from fully understanding the basis of their response and exploring further options if necessary. Since, there was no action or justice being served there, I then, became desperate and asked the payment terminal " XXXX XXXX '' which the merchant used to see if they could help. But, I was also ignored and neglected by their customer service which was so hard to reach to begin with since they only have a number, no email, as most agents claimed that this was an issue with my creditor now. 

I am requesting that the CFPB investigate this matter and assist in resolving this issue, as I believe my ability to reach a satisfactory resolution with both American Express and the merchant has been compromised. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this complaint. 

All Documents Will Be Attached Below, Including Timelines and Attempts of resolving this through AMEX and the Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-22 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: NY

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Someone has used my social security number and address to open a CashApp account in my name. 

I know this because on XXXX I received a 1099-K tax form from Block , Inc, for Cash App. It says I made {$6700.00} through Cash App inXXXX with 703 transactions. I do NOT have a CashApp account and never have. Apparently CashApp will report this as earnings to the IRSearnings that aren't mine.

I called Cash App support on XXXX and on XXXX. CashApp will not help me because I don't have the email and phone that the scammer used to open the account ( how could I? ) They told me to contact IdentityTheft.gov ( which I did ) and to file a report with my local police dept. Despite the serious financial risk I'm incurring due to their product, which I have never even used, they have done nothing to assist me besides sending me form letters saying that they have " thoroughly investigated your concerns and provided an outcome to the issues you raised '' ( this was sent via email roughly 5 minutes after my initial call to customer service, which is clearly not enough time to thoroughly investigate anything ). The " outcome '' they refer to appears to be nothing more than using my " complaint '' to " improve our operations. '' They refuse to : -allow me to talk to their fraud department -allow me to talk to a manager via phone ( they insist on email ) -confirm that they've closed the fraudulent account -confirm that they've redacted the 1099-K form that they've presumably reported to the IRS with fraudulent income under my name -confirm that they will block future accounts from being created with my social security number and personal information -refer to what this is by it's true name : fraud. Instead they insist on calling it a " complaint '' which undermines the undeserved financial impact on me, reframing it as a simple gripe. 

In short, they allow these accounts to be created with basic information that can easily be obtained by thieves ( especially to those of us who suffered the XXXX XXXX ) and zero true identity verification. And knowing this is possible, they provide no path of recourse for those of us who have been affected by this poor security on their part, through no fault of our own. It is unacceptable that people who have never even used their app can be forced into tax obligations through their negligent, fraudulent users. 

This has taken incredible amounts of time to deal with, which is another financial hit because I have to take time away from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I currently have {$170000.00} in student loan debt being serviced by Mohela. I work in a non-profit setting, and thus I am in the Public Service Loan Forgiveness ( PSLF ) program. I have applied for discharge / forgiveness because I am over the required 120 qualifying payments while working for a public service / non-profit employer. Mohela has my account currently in a " general forbearance '' which means no payments are due at this time each month, but the months do not qualify for PSLF forgiveness.

However, I believe I should be in a " processing forebearance '', which the Office of Federal Student Aid ( FSA ) states does qualify each month as a qualified month towards gaining forgiveness to 120 qualifying months.

I was in the Income Driven Repayment ( IDR ) plan under the SAVE program, but on XX/XX/XXXX I submitted an application to switch my repayment plan to the Income Contingent Repayment ( ICR ) plan. To this day, my application still says it is being reviewed by Mohela and I am thus still on the SAVE repayment plan.

I received an email from FSA on XX/XX/XXXX updating me on SAVE. This is where I learned that my account should really be in a processing forbearance ( see email attachment ).

Per FSA guidelines, if the loan servicer ( Mohela ) has not processed a repayment application within 60 days, you are supposed to be placed in a " Processing Forbearance ''.

Per FSA : If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. 

Thus, since I applied on XX/XX/XXXX, and my application is still not processed, my account should have been placed in a Processing Forbearance on XX/XX/XXXX. From this time forward, my months should be counted towards my PSLF forgiveness, which at this point puts me over 120 qualifying months, and my entire balance should be discharged per PSLF guidelines. 

I spoke to Mohela and requested this change to be made to my forbearance, but they said they could not do this. I explained the FSA guidelines and they still refused to process my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Attaching ftc report Date : XX/XX/XXXX Dear XXXX, TransUnion, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( 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 ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and XXXX don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **15 U.S.C 1681 section 602 A. States I have the right to privacy.

**15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions *15 U.S.C 1681c. ( 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.

**15 U.S.C. 1681s-2 ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) ) Thank you for your time and help in this matter. 

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